If you have a History of evictions, you may be feeling a little worried about whether you should move or get another apartment right now. The reality is that because of the pandemic, inflation and high unemployment, financial problems have also been on the rise.
So it’s no surprise that by 2021 the eviction rate will be at least 3.7 million, according to official data from the Office of Policy Development and Research (PD&R). However, that figure may not ease your stress, but it is important to know that there are options for those who have been evicted.
Renting with bad credit or eviction is no longer impossible. In fact, there are low-income housing units with no waiting list that may be your solution. However, you should do your research.
Eviction Forgiveness Apartments
Also known as “second chance Apartments that accept evictions” or “eviction-friendly”, these are apartments that are available for those people or family groups that were part of an Eviction.
The reality is that the situation in the country is difficult. There are state economies that are still recovering from the pandemic and foreigners that have not been able to settle down 100% or, simply, life happens and now you have a history of eviction. Therefore, there are landlords who make apartments available for those who were evicted.
@creditmatrixqueen Secondchanceapartments.com apartment assistance! #fyp #apartmentassistance #secondchanceapartments #eviction #badcredit #badrentalhistory #criminalbackground #housing #queencempire @QueenC
How do you get around an eviction when renting?
There are several activities you can do if you were evicted. While experiencing an eviction can be negative for your tenant history and a bitter moment, it is not the end of the world.
In some cases, landlords will prefer to rent to those who have not gone through this type of situation, but there is a solution for everything and this type of scenario can be avoided in the future. That is why you must follow these recommendations:
- Do not leave any debt uncovered: You must do this, since the previous landlord can make a report of the debt you have and, therefore, this will affect your credit history
- Get a reliable cosigner: This allows your new landlord to have a little more confidence in you. Because if you cannot pay, you will have a cosigner who will have your back, so you must trust this person and has the ability and availability to help you if necessary
- A roommate is another good option: If you cannot find a cosigner, finding a roommate with good references is another viable option. The valuable thing is that you are honest with that person and do everything possible to have the money at the end of the month
- Be honest: Perhaps mentioning the eviction may generate some embarrassment or discomfort, but the best thing you can do is to tell the truth, this will generate more confidence and will prevent the landlord from finding out from third parties
- If the eviction was years ago, you must have documents that prove that the situation has not been repeated and that you have been up-to-date with everything or almost everything
Housing Choice Voucher Program or Section 8: an excellent option if you were recently evicted
This is a federal program that subsidizes a portion of the rent of a house or apartment that meets the requirements of the Public Housing Agencies (PHAs).
Here’s how it works: If you are eligible (more on this later) and you find a household that also meets the program’s requirements, PHA will cover 70% of the rent and the remaining 30% must be covered by your income.
This assistance is designed for families whose total income is less than 50% of the U.S. median income or 30% of the area median income. The funds come from the U.S. Department of Housing and Urban Development (HUD) and are not only available to families, but also to the following groups:
- Seniors
- Persons with disabilities
- Naturalized citizens or those with eligible immigration status
The types of housing that may be selected by the future beneficiary must be apartments, single-family homes and townhomes, which must meet certain standards of sanitation, safety, and decency.
To do so, the housing will be subject to an inspection called REAC physical inspections conducted by HUD’s Real Estate Assessment Center (REAC).
Websites where you can get Low-income Apartments that accept evictions
The Internet is a wonderful thing, isn’t it? If you would rather not resort to the Section 8 program because you have the purchasing power to pay, or you find it a bureaucratic and time-consuming process, you can visit the following sites to get low-income apartments.
Before mentioning a few, it is important to check out reviews and get as much information as possible.
SecondChanceApartments.com
SecondChanceApartments offers you a search engine to find apartments in more than 50 cities across the country. In addition, low-income apartments do not have to be ugly, on the contrary, the website offers options that suit your tastes.
It is also an excellent option for those who do not have credit or other legal and economic problems because they have experts who will advise them to find landlords that offer apartments for this type of situation.
Alliance Housing Incorporated
While this is not a site for the entire U.S. nor specifically for all those who were once evicted, there are nearly 600 types of housing built in Minneapolis for tenants who cannot afford to rent at current market rates. For that, Alliance Housing Incorporated is your choice.
NGOs, churches, and local foundations
You can also check out non-governmental organizations, churches, or foundations in your city that offer services similar to Alliance Housing Incorporated.
There are currently many efforts to reduce homelessness by creating spaces that allow those with low-income levels to live while they get a better job or improve their living conditions.
References
-
“Affordable Housing, Eviction, and Health | HUD USER.” Redirect, https://www.huduser.gov/portal/periodicals/em/Summer21/highlight1.html
-
“Can You Get Low Income Housing With an Eviction? [Answered].” DoNotPay, https://donotpay.com/learn/can-you-get-low-income-housing-with-an-eviction/
-
“How to Get Apartments That Accept Evictions Near Me?” Linkedin, https://www.linkedin.com/pulse/how-get-apartments-accept-evictions-near-me-mario-davis/
-
“Inspection Information for Residents | HUD.Gov / U.S. Department of Housing and Urban Development (HUD).” HUD.Gov / U.S. Department of Housing and Urban Development (HUD), https://www.hud.gov/topics/REAC_Inspections/residents
-
“Properties – Alliance Housing.” – Alliance Housing, https://www.alliancehousinginc.org/properties/
-
“Second Chance Apartments, 2nd Chance Apartments Locators for Bad Credit.” Second Chance Apartments, https://secondchanceapartments.com