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AiyannaNeko · 01-02-2014, 08:39 PM

Alright, I'll explain my situation and then--after you're done laughing--if you have any ideas for a solution, please let me know.

My apartment lease is up and I'd like to rent a house this time and give my spawn a yard to play in, instead of being glued to the tv.

The problem is, I have no proof of income to show a landlord or realtor company. I didn't file taxes last year, because I spent most of the tax year pregnant and didn't work enough to file.

I just recently opened a bank account again (hardcore old school Asian family logic is to not "give your money to banks"). So there's no way to show them consistent deposits.

And apparently my work references from clients (My real world job is actually house-cleaning and massage therapy. Just doesn't pay well/consistently) are not good enough for any of the realtor companies I've been to so far.

So...does anyone know:

1) A different way to prove income, besides the aforementioned methods that I've already failed at. X.x lol!

Or

2) Probably a stretch, but I've already made a fool of myself with poor hindsight/planning...does anyone know of a 'provider-friendly' landlord. Hell, is there even such a thing? Lol

Any other kernels of advice y'all are willing to bestow upon the kitty are welcome and much appreciated.

Thank ya!

Guest062114-5 · 01-02-2014, 08:52 PM

Quote:

Originally Posted by AiyannaNeko

Alright, I'll explain my situation and then--after you're done laughing--if you have any ideas for a solution, please let me know.

My apartment lease is up and I'd like to rent a house this time and give my spawn a yard to play in, instead of being glued to the tv.

The problem is, I have no proof of income to show a landlord or realtor company. I didn't file taxes last year, because I spent most of the tax year pregnant and didn't work enough to file.

I just recently opened a bank account again (hardcore old school Asian family logic is to not "give your money to banks"). So there's no way to show them consistent deposits.

And apparently my work references from clients (My real world job is actually house-cleaning and massage therapy. Just doesn't pay well/consistently) are not good enough for any of the realtor companies I've been to so far.

So...does anyone know:

1) A different way to prove income, besides the aforementioned methods that I've already failed at. X.x lol!

Or

2) Probably a stretch, but I've already made a fool of myself with poor hindsight/planning...does anyone know of a 'provider-friendly' landlord. Hell, is there even such a thing? Lol

Any other kernels of advice y'all are willing to bestow upon the kitty are welcome and much appreciated.

Thank ya!

My best advice is to have a family member or close friend act as your guarantor. Good luck!

Pepper_Springfield · 01-02-2014, 08:56 PM

Fake check stubs for a fake business. Just make an online site, but a good one and put a "business" number that you will use to pretend you are your employer if they call. Get a phone for that, a cheapy prepaid or something (you will use that number) and only answer it as that business. When they call to verify if you work there, say yes.

Be careful that you do the right math on the check stubs though!

Here: http://www.paycheckmanager.com/FreeC...alculator.aspx

and here for a sample:https://www.google.com/search?q=chec...tm%3B640%3B352

Anyone with photoshop can do the stubs.

Not the best advice, but it has worked before. I know someone who did this

I guess it depends on where you go. Lol

Oh and when you print the stubs and you cut them dont use scissors. Fold back and fourth on the same crease so it looks like a different cut instead of scissor cut. You kinda have to eyeball that and see what looks better. Try different methods.

thrakattack82 · 01-02-2014, 09:11 PM

Have you been dealing with homeowners that are handling the rentals themselves or with property management companies? You probably wouldn't have much luck getting approved on a house that is managed by a company but I have found that an independent owner can be very flexible if you give them a good first impression and can show good history from renting an apartment.

Balsagna · 01-02-2014, 09:25 PM

I've been in the same situation before when I was only doing Web Development as my source of income. From my experiences, as long as you can provide a check stub of some sort of income and then as mentioned, you can buy a cheapie phone and make up a story of the "under the table work you do". I guess an example could be "I do massage therapy at x location under the table" and tell them you don't really have a way to prove that income since it's all cash, but you can call to vouch for it.

However, on the flip side -- this will minimize your selection of houses, but a lot of property managers can work something out with you, some won't. Just ask and be straight up
People want to rent their houses out, you will find one.

Alternatively, if you need a few fake stubs, we might be able to work something out. I do a ton of web work, CD/Cover art, bannerse, logos, full web design and web development and then photo manipulations. I'd advise NOT going this route if you can avoid it, you never know who might check for reals...

Mokoa · 01-02-2014, 10:29 PM

A Sandbox topic.

Moved to the proper forum.

Coolpops · 01-03-2014, 12:28 AM

I know some people who have used the fake paystubs to procure loans.
So it can work. And even if the lender/landlord does find out, they probably
wont take action as long as you're paying the rent every month--that's the
main thing.

Also, you could offer to put down a larger than normal deposit if a landlord
is still hesitant. If that's an option.

AiyannaNeko · 01-03-2014, 12:33 AM

Thank you everyone for the advice! =^_^=

I'll probably end up going the fake paycheck route (I has looked at that before, but didn't know which sites were legit, so thank you Darcy.)

Lilmynx - A couple of years ago, that would've been perfect, but thanks to Alzheimer's, my only relative ruined his credit, so I can't try that. :-(

Balsagna - thank you for the offer.=^_^= I'll give the paycheck site a try and see if I can do it that way first.

Quote:

Originally Posted by thrakattack82

Have you been dealing with homeowners that are handling the rentals themselves or with property management companies? You probably wouldn't have much luck getting approved on a house that is managed by a company but I have found that an independent owner can be very flexible if you give them a good first impression and can show good history from renting an apartment.

A friend recommended the same thing, but when I'm searching for houses, I rarely find a website that has listings by owners instead of property management. Even Craigslist is hit and miss. I'll try to find different sites, because I had thought that would be my best bet.

Sorry Mokoa. >.< I wasn't sure which forum it would go into.

Again, thank you everyone! I will try your tips and hopefully be in a house soon! Wish me luck! =^_^=

thrakattack82 · 01-03-2014, 01:38 AM

I can send some links your way once I'm at my computer in the morning, I just moved to San Antonio a few weeks ago and spent months finding the right rental house before I moved so I'm sure there is something in there that would be useful lol.

Samcro84 · 01-03-2014, 09:25 AM

Be causes of fake anything. That equals fraud you don't need bad references.

Guest101114 · 01-03-2014, 10:01 AM

I would just be honest with people... Well, honest with the house cleaning and massage therapy business... Hehe... I'm sure someone will understand and help you out. I'll give you some tips that has worked for me and hopefully it can help you or someone else out. Before the hobby, I rented a house when I was hardly making anything going to school and working a part time job but explained to the renters that I do baby/pet/house sitting and since I always try to save my money vs spending it, I always had bank deposit receipts that added up to make a nice little cushion that they felt comfortable with. I also put a $1.200 deposit on that place but yay!! They gave me a chance... I was there for gosh, 3 or so years. After the hobby, when I haven't had a real world job at times or one that doesn't make enough to cover living/life expenses I always offer to pay 3-6 months rent beforehand... Never had a problem with that!! Good luck sweetie.

Keyzer Soze · 01-03-2014, 10:56 AM

[QUOTE=XOXO Karla;1054786995]I would just be honest with people... Well, honest with the house cleaning and massage therapy business... Hehe... I'm sure someone will understand and help you out. I'll give you some tips that has worked for me and hopefully it can help you or someone else out. Before the hobby, I rented a house when I was hardly making anything going to school and working a part time job but explained to the renters that I do baby/pet/house sitting and since I always try to save my money vs spending it, I always had bank deposit receipts that added up to make a nice little cushion that they felt comfortable with. I also put a $1.200 deposit on that place but yay!! They gave me a chance... I was there for gosh, 3 or so years. After the hobby, when I haven't had a real world job at times or one that doesn't make enough to cover living/life expenses I always offer to pay 3-6 months rent beforehand... Never had a problem with that!! Good luck sweetie.[/QUOTE]

A landlord will see this as good faith on your part, as always money talks. Either pay on time or even early if you can, this will serve you well, if you ever decide to move, because that landlord will be able to vouch for you, sound familiar.