What Might a Housing Program or a Landlord Ask You? Planning for talking about Housing.

Frequently Asked Questions, Money 101, Renter Information, Independent Living Skills/Adulting Resources, MyPath Team

Admin

11/09/2020

Knowing the answers to these questions may help you find housing faster.

  • Where do you want to live?
  • Do you have an income?
  • Can you show proof of your income?
  • Do you have a deposit or know if and where you can get one?
  • Are you likely to qualify for help with a deposit? Connect with the MyPath team and ask available options!
  • Do you want to live alone or have roommates?
  • Are your potential roommates willing to cooperate with your program and follow any rules like disclosing income to help you?
  • Do you have anyone who will co-sign for you? A co-signer is usually an adult with good credit, who trusts you, and who could afford to pay your rent in an emergency.
  • Could you find a roommate with a co-signer so that you can build rental history and not need a program?
  • If no co-signer, do you have good credit history?
  • References?
  • Have you had your job at least 6 months?
  • Have you taken RentWise or can you convince a landlord that you’ll be a good tenant even though you’re young?
  • Do you have any furniture, a vacuum, other house supplies?
  • If you do find housing you can afford, do you have a plan for how to pay for other related expenses? Not all rent includes utilities and even though rent looks cheap, there might be and probably are hidden expenses like high utility bills.
  • Renter’s Insurance is often less than $10 a month if you get it with your car insurance and can save you thousands if there’s a catastrophe.
  • Poor? Apply for long term subsidized housing. Connect with the MyPath team and ask how.
  • Do you want to own a house one day or have a pet?
  • I recommend first time homebuyer classes, financial literacy, and credit building opportunities. No one ever takes me up on this right away, but it’s good to remind youth that there’s a process.
  • Who would you crash with if you had no where else to go? Who’s in your Support Network?
  • How would you help out so that they don’t feel used by you and kick you out?
  • Would you and the person you’re staying with agree to a Housemate Agreement so that you both understand expectations?
  • Could you stay somewhere while you saved money and got back on your feet?
  • With good rental history, renting gets easier and better, but with bad history like unpaid bills or evictions, it gets harder, more expensive and worse. An eviction will haunt you for 5 years. Have you ever been evicted from a place you were a lease signer at?
  • Do you have any debts in collections that a landlord will see in a credit check?
  • Do you have any criminal history that a landlord will see on a background check?
  • Have you also read: Before You Move Out. Read This?

More questions? Connect with the MyPath team!

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