Something I noticed about Rental Applications for Apartment Complexes

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Hey there:

Recently, I was reading an apartment rental application and I noticed that some places require that you are employed with an employer. To have proof of this, they require the followng:

1. Current paycheck stub
2. Copy of last years tax return
3. Letterhead from your employer stating your income, dates of hire, position, and social security
number. * The letter must be from Human Resources or an Officer and notarized*

Basically, what these people are saying to me that if you don't have either of the following, you can't live at their place. Bank statements won't make the cut either. So basically, that's bad news for someone who's only self employed. What do you think about this?
  • Profile picture of the author seasoned
    Originally Posted by pcdoctor View Post

    Hey there:

    Recently, I was reading an apartment rental application and I noticed that some places require that you are employed with an employer. To have proof of this, they require the followng:

    1. Current paycheck stub
    2. Copy of last years tax return
    3. Letterhead from your employer stating your income, dates of hire, position, and social security
    number. * The letter must be from Human Resources or an Officer and notarized*

    Basically, what these people are saying to me that if you don't have either of the following, you can't live at their place. Bank statements won't make the cut either. So basically, that's bad news for someone who's only self employed. What do you think about this?
    #1 was kind of standard.

    #3 is stupid! How many such people will notarize it?

    There are a LOT of people that rip places off, and they are trying to prevent that!

    Steve
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  • Profile picture of the author pcdoctor
    What do you mean by #3?
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    • Profile picture of the author seasoned
      Originally Posted by pcdoctor View Post

      What do you mean by #3?
      By #3, I meant the letter. inwait is right, that was MY experience ALSO. Bank statements DO NOT COUNT! What do THEY mean? Even BANKS wouldn't recognize that. At times, I could have had over $1000,000 in my bank account. That doesn't make me rich. I ALMOST made a deal that could have put over $300K in my bank account.

      Steve
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      • Profile picture of the author pcdoctor
        I'm also thinking too that many of these apartment complexes/landlords also don't think that these internet marketing types of businesses really exhist. Also, some people only receive social security income for disability because they can't work and I'm not sure if the landlords can turn people away who receive disability or not if they don't work.
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      • Profile picture of the author jpeguero
        Originally Posted by seasoned View Post

        By #3, I meant the letter. inwait is right, that was MY experience ALSO. Bank statements DO NOT COUNT! What do THEY mean? Even BANKS wouldn't recognize that. At times, I could have had over $1000,000 in my bank account. That doesn't make me rich. I ALMOST made a deal that could have put over $300K in my bank account.

        Steve
        Really?

        Please

        Juan
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        • Profile picture of the author KimW
          Originally Posted by jpeguero View Post

          Really?

          Please

          Juan
          Care to clarify this comment Juan?
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          • Profile picture of the author seasoned
            Originally Posted by KimW View Post

            Care to clarify this comment Juan?
            He obviously doesn't understand about accounts payable! A place like clickbank, or amazon, is lucky if they can even keep 20% of what they bring in. And MANY people have borrowed on credit to artificially inflate bank accounts. NO bank account on the planet will take that into account.

            Steve
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  • Profile picture of the author InWait
    In my experience they want the past few pay stubs and in one case a supervisor's or manager's name and number. I've never heard of them wanting numbers 2 and 3. Hopefully these are the exceptions and not the rule.
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  • I think it could be discriminatory...but there should always be concessions -

    As for a Notary...no offense to someone who is one...but why do we still have them?
    "to prove a document is valid and authorize as such" so says my Notary friend - to whom I asked that question...

    Really Bob? You didn't even spell your business card right -

    True story - My friend Bob (a Notary of note) got his new cards, and 'proudly' handed one to me..."what do you think?", he asked.

    His card read:
    Bob (LN)
    Mobil Notary Services
    (etc., etc.)

    And he had already been giving them out...Fortunately, he's lucky he gave me one, so I could catch that...people miss those sorts of thing all the time...that's why we have notaries?

    I sometimes still give him a bad time about that...:rolleyes: "Still working for that Oil Company Bob? What was the name of that again? Way to cover the bases Bob! (we used to play softball together)
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    • Profile picture of the author seasoned
      Originally Posted by MoneyMagnetMagnate View Post

      I think it could be discriminatory...but there should always be concessions -

      As for a Notary...no offense to someone who is one...but why do we still have them?
      "to prove a document is valid and authorize as such" so says my Notary friend - to whom I asked that question...

      Really Bob? You didn't even spell your business card right -

      True story - My friend Bob (a Notary of note) got his new cards, and 'proudly' handed one to me..."what do you think?", he asked.

      His card read:
      Bob (LN)
      Mobil Notary Services
      (etc., etc.)

      And he had already been giving them out...Fortunately, he's lucky he gave me one, so I could catch that...people miss those sorts of thing all the time...that's why we have notaries?

      I sometimes still give him a bad time about that...:rolleyes: "Still working for that Oil Company Bob? What was the name of that again? Way to cover the bases Bob! (we used to play softball together)
      That is a NON SEQUITOR! There are MORE reasons to have notaries, NOT less! Notaries are SUPPOSED to make sure forms are filled out right, and the main signer has been checked out! what do YOU suggest? That everyones ID be made public, and they present a "lie detector" output and picture with it? That is illegal, and SO problematic and STILL, photos CAN be copied, etc... so HOW do you do it? They STILL have NO way to transmit real video that is 100% certified to be 100% optical. Until that day, which is SO ridiculously problematic, etc... something like a notary won't be TRULY obsolete.

      So your friend is one of those that, like you, considers it a joke and treats it as such. It is STILL better than nothing.

      Steve
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  • Profile picture of the author bailbondsguys
    If you think this is bad you should see what the unemployment office requests. You have to have a bill that ties your name to a location such as a cable bill, electric bill, rental bill, etc... A phone bill does not count. My brother who doesn't have any of the bills in his name was denied unemployment because they were unable to verify his residency in the state despite his driver's license, tax return, pay stub and even phone bill.
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    • Profile picture of the author seasoned
      Originally Posted by bailbondsguys View Post

      If you think this is bad you should see what the unemployment office requests. You have to have a bill that ties your name to a location such as a cable bill, electric bill, rental bill, etc... A phone bill does not count. My brother who doesn't have any of the bills in his name was denied unemployment because they were unable to verify his residency in the state despite his driver's license, tax return, pay stub and even phone bill.
      I had a drivers license several MONTHS after moving here, even though the law says 1 month MAX! HECK, I lived in boston for FOUR years and NEVER had a boston drivers license! Phone bills MAY be accepted if they are POTS! For cell phone, you're KIDDING, RIGHT?

      If he had NO bill to tie him to the state, the state had no liability to pay!

      Steve
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  • Profile picture of the author KimW
    I would say that number 3 borders on illegal.
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    • Profile picture of the author seasoned
      Originally Posted by KimW View Post

      I would say that number 3 borders on illegal.
      #2 does ALSO!

      There IS a legal limit as to what you can ask for. Too bad it isn't legally enforced!

      Steve
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      • Profile picture of the author Kay King
        You have to look at it in context. A landlord does not want to rent to anyone without an income. It's not discriminatory - it's business done to vet future tenants. If you are a self employed person with 2-3 years of taxes that show sufficient earnings and have a good FICO score - you will probably be able to rent. What is allowed is regulated by landlord/tenant laws of the state.

        This is common in states where the eviction laws are hard to enforce or where it takes months to evict a non-paying tenant. And many will ask for an employment statement to prove you have the job you claim to have. Employers are familiar with these requests.

        In many states you can prove residency for unemployment with a renters agreement that shows you rent a room in a home listed under someone else's name.
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  • Profile picture of the author Entrecon
    Many places are doing full credit and background checks too!
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    • Profile picture of the author pcdoctor
      In terms of credit check, mine would come up excellent since I do have an excellent credit score. I guess if I were to explain to the landlord what I really do and even show them proof that I receive this income, I would hope that they consider letting me rent. When I do start making a very decent amount of money online, I'm quitting my day job.
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      • Profile picture of the author seasoned
        Originally Posted by pcdoctor View Post

        In terms of credit check, mine would come up excellent since I do have an excellent credit score. I guess if I were to explain to the landlord what I really do and even show them proof that I receive this income, I would hope that they consider letting me rent. When I do start making a very decent amount of money online, I'm quitting my day job.
        Yeah, I doubt that! I once heard an industry insider that was supposed to be an expert! He said that ONE COMPANY ITSELF had like THREE ways to figure the FICO score! Only ONE went to 825! ONLY ONE! I remember thinking WOW, only like PERFECTLY ethical millionaires would be able to hit that! And in ANY of them, even a late payment would take 6months to 2yrs to have its effect diminished. According to that guy though, you would never get your 825 score back!

        I AM talking about FICO here. The NEWER method goes to about 1000 for EVERYONE. Apparently there is a NEWER one trying to gain steam called corescore. YIKES!

        BTW HOW can you PROVE you make that money? Bank records, clickbank, merchant account records, etc... are transitory and NOT detailed, so they are worthless.

        Steve
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        • Profile picture of the author Kay King
          If you apply for a loan - you may be required to show your tax return and it's not against the law to have that requirement. Been true for getting a mortgage for a long time.

          What the landlord is saying is "if you want to rent my property - here is what I require". They don't make you produce tax returns - they just say that's their requirement for renting to you.

          He can't force you to show a tax return - but he has the right to refuse to rent to you. He has a right to set limits for who is allowed to use his property. You have the right to move to another property that requires less documentation.
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          • Profile picture of the author KimW
            Originally Posted by Kay King View Post

            If you apply for a loan - you may be required to show your tax return and it's not against the law to have that requirement. Been true for getting a mortgage for a long time.

            What the landlord is saying is "if you want to rent my property - here is what I require". They don't make you produce tax returns - they just say that's their requirement for renting to you.

            He can't force you to show a tax return - but he has the right to refuse to rent to you. He has a right to set limits for who is allowed to use his property. You have the right to move to another property that requires less documentation.
            Kay,
            For once I disagree with you.
            NOBODY and I mean nobody has a right to my tax return except the federal agency that I have no choice to show it to.

            Now that the fact that our goverment has allowed this behavior is another story.but what can you do? After all, the government promised that our Social Security number would never be used as a form of identification and yet they allow every Tom Dick and harry to force us to show it and/or give it to them.

            As far as the landlord having a "right to rent or not rent",there are laws and guidelines he must follow and none of them say allowing him access to my tax returns.
            If I can prove I have the means to pay for the property he should rent to me, if I fail to pay as promised he has the right ( and I agree with this) to kick me out on the street. I think the courts are too lenient on those that don't pay there rent. My mother has a rental property that took her almost 2 years to evict her for non payment because the courts kept letting her stay. We should have the right to sue the courts that allow such actions.
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          • Profile picture of the author seasoned
            Originally Posted by Kay King View Post

            If you apply for a loan - you may be required to show your tax return and it's not against the law to have that requirement. Been true for getting a mortgage for a long time.

            What the landlord is saying is "if you want to rent my property - here is what I require". They don't make you produce tax returns - they just say that's their requirement for renting to you.

            He can't force you to show a tax return - but he has the right to refuse to rent to you. He has a right to set limits for who is allowed to use his property. You have the right to move to another property that requires less documentation.
            Actually, there IS a law forbiding asking for non necessary personal information. It was passed a few decades ago. A bank is VERY different from a landlord, and there IS a federal requirement for banks to report based on SSN, so there IS a need to have it.

            steve
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    • Profile picture of the author KimW
      Originally Posted by seasoned View Post

      #2 does ALSO!

      There IS a legal limit as to what you can ask for. Too bad it isn't legally enforced!

      Steve
      Steve, rethinking this I think you are probably right .
      NOBODY ecept the government has a righ to see your tax retuirn.

      Originally Posted by Entrecon View Post

      Many places are doing full credit and background checks too!
      Just because they are doing it doesn't make it legal!
      Here is just another reason why Americans need to take back America. America is suppose to be for the people,nut businesses and corporations,
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  • Profile picture of the author Thomas Wilkinson
    I use Been Verified for rentals now. Its not perfect but It filters out the worst of the worst. You also have to look at the liability of the landlord. I just can't let someone with multiple felonies move in next to my other tenants.

    Thomas
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    When you hear someone telling you what YOU can't do, they are usually talking about what THEY can't do.
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  • Profile picture of the author waterotter
    @ Kim - I recently bit the bullet and switched to wifi high speed. I was absolutely floored when I had to give my SIN even though they had my credit credit card info and automatically take my payments out of my bank account.

    I had no choice as I live in a remote, rural area with very few options. I only have two options for dial-up, so high speed availability is near impossible to get here. We pay thought he nose for what we can get.

    Sorry for going off topic here in the off topic foum :p
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    • Profile picture of the author seasoned
      Originally Posted by waterotter View Post

      @ Kim - I recently bit the bullet and switched to wifi high speed. I was absolutely floored when I had to give my SIN even though they had my credit credit card info and automatically take my payments out of my bank account.

      I had no choice as I live in a remote, rural area with very few options. I only have two options for dial-up, so high speed availability is near impossible to get here. We pay thought he nose for what we can get.

      Sorry for going off topic here in the off topic foum :p
      Yeah, I don't know about Canada, but America is FILLED with scam artists. You do NOT want your SSN falling into some idiot's hands. That INCLUDES "well meaning" people that don't take adequate care of the information.

      A big bank once did the following!!!!!! You got that, a BIG bank! I won't tell you which one, but lets say that it is now considered an American bank because it was started over 100 years ago in the US. It originally claimed to be associated with another country. It is now one of the largest banks in the US, and one of the largest in the world. After that long description, people that know bank hitory almost certainly know which bank I am talking about. Telling you the OTHER country, or the way it associates with the countries would be saying too much. YEP, THAT one! If all of its customers were american, it would have just under a 20% market share in the US, according to one site.

      A group of MORONS there asked for me to send my SSN CLEAR TEXT through email! I told them *****************NO WAY****************! It slowed things down by about 5 weeks, 3 of which they had to pay me for. Anyway, they eventually had me take a course that ALL their employees must take. One part of that course? Bank employees and consultants are NEVER alowed to use, or cause to be used, Email for sending private information, such as SSN numbers as plain text. Sanctions include everything UP TO AND INCLUDING TERMINATION! BTW for those that don't know, termination means FIRED! They lose their jobs! They ALSO may be held PERSONALLY responsible for loss to the bank's image or a person's security.

      So even employees at one of the largest banks in the world, being threatened with losing almost EVERYTHING and violating corporate and federal law, CAN'T BE TRUSTED!

      Steve
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  • Profile picture of the author waterotter
    In the US it's SSN. In Canada, it's SIN (social insurance number).

    A Steve - I don't know if that's law here or not, but I sure didn't like giving Rogers my SIN.

    Off to google that one!
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  • Profile picture of the author waterotter
    I know the bank you are referring to Steve. To much of our private information is dangerous in the wrong hands.

    This info is from the Service Canada website.

    When don’t I have to provide my SIN?

    Some private-sector organizations may ask for your SIN. This practice is strongly discouraged, but it is not illegal.

    Here are examples of when you don’t have to give your Social Insurance Number or show your card:

    1. proving your identity (except for specific government programs)
    2. completing a job application before you get the job
    3. completing an application to rent a property
    4. negotiating a lease with a landlord
    5. completing credit card application
    6. cashing a cheque
    7. applying for a video club membership
    8. completing some banking transactions (mortgage, line of credit, loan)
    9. completing a medical questionnaire
    10. renting a car
    11. subscribing to long-distance or cellular telephone services
    12. writing a will
    13. applying to a university or college.


    I'm guessing internet service would be much the same as subscribing to long-distance or cellular telephone services.

    Back on topic here - I don't think it would be legal for landlords to request tax returns here as we are identified by our SIN. I'm not a lawyer, so would need to seek legal advice should I ever be in a position where I was required to give this info.
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  • Profile picture of the author KimW
    Jody, was about to ask if that was the same as our SSN,but you answered a post or two down.
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    • Profile picture of the author seasoned
      Originally Posted by KimW View Post

      Jody, was about to ask if that was the same as our SSN,but you answered a post or two down.
      Yeah, I just assumed! In the US, we ALSO have:

      EIN -- Employer Identification Number... A special SSN like number that serves the exact same purpose for a company.
      TIN -- Tax Identification Number... A way to ask for ANY number, like an SSN or EIN.

      Steve
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  • Profile picture of the author Thomas Wilkinson
    I remember back in the early days of the internet the brain trust in Ottawa left the portal open to pretty much the entire Canadian Social Insurance site including information on about every Canadian there was for TWO MONTHS before anyone noticed. There was never a way to know how many times the database got downloaded because there was no tracking software installed on the site.

    Thomas
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  • Profile picture of the author KimW
    I don;t know about the Canadian number, but here in the US,the Social Security number was never intended nor was it ever suppose to be used as an individual identification number. Another exampe of how the American public has been lied to and deceived over the years.
    There is NO business outside the US government that has ANY right to that information,yet the government allows corporations to not only have the numbers,they allow them to scan them into their private corporation computer systems.
    But then, this also goes along with the artifical FICO numbers that the governemnt allows to decide our credit worthiness even though it has been proven time and time again those reports are overflowing with incorrect information. Make then take out something thats wrong? Forget that. A lot of times if the get the idea something is going to be challenged they sell the information to another company that will keep the information alive for years,whether based on fact or not.


    By the way Juan,
    I'm doing a report on Warriors that post in the Off Topic Forum, would you mind forwarding me your SSN, strictly for reseach purposes,you understand,right?
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    • Profile picture of the author seasoned
      Originally Posted by KimW View Post

      I don;t know about the Canadian number, but here in the US,the Social Security number was never intended nor was it ever suppose to be used as an individual identification number. Another exampe of how the American public has been lied to and deceived over the years.
      There is NO business outside the US government that has ANY right to that information,yet the government allows corporations to not only have the numbers,they allow them to scan them into their private corporation computer systems.
      But then, this also goes along with the artifical FICO numbers that the governemnt allows to decide our credit worthiness even though it has been proven time and time again those reports are overflowing with incorrect information. Make then take out something thats wrong? Forget that. A lot of times if the get the idea something is going to be challenged they sell the information to another company that will keep the information alive for years,whether based on fact or not.


      By the way Juan,
      I'm doing a report on Warriors that post in the Off Topic Forum, would you mind forwarding me your SSN, strictly for reseach purposes,you understand,right?
      It IS ironic! They TRICKED the public into accepting a "temporary tax". Back then, there were FAR fewer people, the government was mainly into only GOVERNMENT business, and there was no obvious reason to have a number. The population grew, they started getting involved with other things, and I guess they figured numbers would be good for book entry. Ironically, THAT became the TAX ID!

      NOW, the figure there is NO way to enforce everything they want to enforce, so they demand all others to report to them. Since that is worthless without a number, they want THAT too! That means we have to risk all we have to give that number to them so they can pass it to the IRS to allow them to take MORE if we should fail to report. TYPICAL, huh?

      ANOTHER ironic thing is that, eventually, when all do as they wish, the IRS agents, tax preparers, and many accountants could be LET GO! I wonder, do you think they will even ATTEMPT to do that last step? I mean they COULD have people put a reason, and cross reference, on all transactions, and have the company pass them through to the IRS and the IRS could figure it out and issue the refunds, or debit the accounts.

      In 1913, the federal tax code was 400 pages long. Today, it's grown to about 70,000 pages. That's 50 times longer than Leo Tolstoy's War and Peace.

      IMAGINE! EVENTUALLY, SOMETHING has to give!


      Steve
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      • Profile picture of the author Kay King
        NOBODY and I mean nobody has a right to my tax return except the federal agency that I have no choice to show it to.
        I agree about the "right" but I don't see this issue as taking away your rights.

        No one is forcing you to show your tax return - what they are saying is that if you want to live in THEIR property, they require you to show the tax return. You don't have to rent from them.

        I've seen enough scams in the home buying and rental area to understand the problem. People lie about income all the time - they lie about having jobs - they falsify employment information to get what they want. They move in and pay two months rent - then stop paying and it takes 3-4 months to evict them.

        I think owners of rental units have tightened their qualifying process in this economy - and that doesn't surprise me.
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  • Profile picture of the author Thomas Wilkinson
    Just when I think I've seen every rental scam on the face of the earth new ones get invented. Eviction fees have gone up and time delays have gotten longer. I recently had a guy go to (free) legal aid and try to sue me because he said I was discriminating on the basis of his two two previous rape convictions. It cost him nothing. Fortunately the corner of the property is only 968 feet from school property but I had to fool around answering the initial complaint anyway. (Which got tossed). Women seemed to think that every time they get married and get a new name that ought to wipe the slate clean on all crap they pulled under their previous name. People are even using their toddlers SSN to get utilities turned on because they have multiple unpaid bills. I don't want to see anyone's tax returns. I just want them to be who they say they are, pay the damn rent and live like human beings.

    Thomas
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  • Profile picture of the author KimW
    Kay, The biggest scammers out there right now are Bank Of America (and probably 90% of all the lenders).

    But their are way too many ways to verify information without seeing my tax return.
    Get a credit report.
    And I understand the squatter problem.
    My mother,who is 87 years old and wheelchair bound took two years of going to court here in Virginia to get a renter out that had paid only two months rent the whole time she was in the property. And of course when they finally came and removed her she had destroyed the place.
    My mother lives off the rental income she makes from I believ 3 different townhouses. When someone does that,she can't pay her own bills.

    I certainly believe a landlord has rights over their property,just another situation where the government needs to GTFO.

    And Thomas I agree with you also.

    But kay, If I qualify to rent a place and the only thig that is stopping them from renting to me is I refuse to show my Federal Tax returns ,which are for mine and the US government eyes only, then I feel they are denying me my rights.
    DO they HAVE to rent to me, No.
    Do I HAVE to live there? No.
    But by qualifying with all the LEGAL rights I DO have the right. By requiring my tax returns they are imo breaking the law, albeit apparently with the Corporation Of America's consent.
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  • Profile picture of the author seasoned
    They try too hard to allow the very poor and problematic to stay, and the honest people are left to pay because they are "rich". Remember what I said before about AP? Well, kim, those 3 townhouses might be WHAT? Maybe $1,000,000? They figure your mother is a millionare! Never mind that a REAL millionare would have at least $30,000,000 CASH! Never mind that your mother can't really get a job! Not many places will hire an 87 year old, let alone one that is infirmed! Never mind that she might have about $2,000,000 worth of DEBT! A one million dollar piece of realestate today costs about TWO million! In the 80s, it cost about FOUR million! Apparently, in the 70s it cost about EIGHT million! NOT because of inflation really, but because of the average interest rates of loans. In short, those townhouses may not represent ANY real asset. If she sold them, she may be lucky to end up with nothing.

    But POOR people are often that way by choice, and they believe a home means MONEY, and that your mother is evil!

    A person once called me rich because I was wearing a suit! Talk about judging a book by its cover.

    Thomas... They should get thrown in jail for credit fraud, ID fraud, and Child abuse, if they use the child's SSN. HELL, they shouldn't even ever tell the mother what the SSN of the child is. ALAS, those IDIOTS passed a law several decades ago that you had to get an SSN for your kids by the time they were 5, IIRC. So I guess the government AGAIN caused a problem CONTRARY to the stated intent! Imagine! When the child is 20, they may already have garbage from 15 years prior!

    Steve
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  • Profile picture of the author KimW
    Steve,
    You are right on the money. Because she owns 3 pieces of property they say she is a millionaire,and she is far from it.
    Her sole income comes from the three rental properties (which most tentants don't pay) and my fathers retirement .
    That's the only reason she has health care too.
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  • Profile picture of the author seasoned
    Kimw,

    It would be nice if maybe they taught kids in preschool about how AR and AP work. Even some "business people" here, that are in "IM", and even some in THIS thread don't understand it.

    But if we are to have credit, and delayed transactions, which today happen maybe 98% of the time, people better learn it. This is ESPECIALLY true of the people that are POOR and understand NOTHING about money. There are ways that a person without a job can get TWICE what the average worker gets. That is sick ENOUGH! But if the worker, that makes less than they do, saves up enough to buy a home, YIKES! NOW the poor person, that is REALLY FILTHY RICH all things considered, may consider and treat the poor worker like he is a rich evil B&&&&&D!

    And WHO is richer? A guy that does NOTHING, has ALL covered, and has $60K/year with NO debts, or a guy that works hard, has budget problems, has $30K/year and a $100K home with $250K in debt? I say it is the first guy. THEY will say it is the second.

    Steve
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  • Profile picture of the author smartiewriter
    I think you will be alright if you just explain to them that you are self-employed and prove that you can afford the rent by showing them your tax return.
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  • Profile picture of the author Halcyon
    As a landlord in a tenant friendly state like OH, I can tell you that you want to protect as much as you can. However these days documents can be faked too easily.

    All the tenant has to do is print out the forms and write in whatever he wants to. Is it illegal? Of course but how would I know it was fake? So other than two forms of ID and a recent paystub/benefit letter, I don't ask for documents from the tenant.

    I do check eviction records and police reports. I don't care if you got in a fist fight back in college but I do care if you were selling crack last week. I also don't care if you didn't pay Discover as long as you paid your rent.

    Because a couple of my tenants receive rent subsidies via the Section 8 program, I'm more concerned with their character than credit. Silly boyfriends that aren't even on the lease have gotten a few of my tenants kicked-out.
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