The rentals currently start from $1,077 for 1bd 1ba condo which pets are allowed in San Marcos. The purchase start from 84k for 1bd 1ba condo which is as low as $420 down payment with a minimum 580 fico score and way less than $900 a month mortgage.
You should study RENT vs BUY options as you may qualify to buy with minimum out of pocket expenses and pay less than rent in many cities. You may qualify to buy FHA with fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down or as low as .5% half percent down payment program. You may consider 3% down conventional from a minimum 620 fico score. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.
If you figure out what cities/zip codes you are considering, minimum number of bedrooms and the maximum payment/price you are looking to achieve you can be emailed listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.
Beware of the many rental scams out there these days on all sites. The scams are on all of the rental listing sites except one that us agents/broker use such as mls, multiple listing service.
You should not give anyone any funds or personal information without confirming with a licensed agent/broker or management company to find out whom you should be dealing with and the status of any address of interest.
You will need to be pre-approved if you decide to buy to be able to meet an agent to view and submit offers on any homes of your choice. Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, home price, loan program and how much you want to invest into the down payment and closing costs.
It only takes a few dozen questions to qualify, go over your options and email you listings to study and compare. Here are some links to study as well as web reference links to many loan program pages offered...
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA/CalVet Loan Specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
22+ Years Experience
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7
Under640FicoScoreLoans@gmail.com or HomeLoans4U@live.com
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The catch is that you must give a month rent, PLUS an extra $250, NON-REFUNDABLE. That is what they consider a "risk fee". That would be all great, if it was refundable. But, they expect people to give up what is normally considered a refundable deposit? Okay; so, we are paying for your risk. But, if we live out our lease and pay on time and the risk came out to be NO PROBLEM, then why not give it back?
Anyone who is willing to fork over that kind of money and not get it back, can pay to get their credit repaired or pay off their eviction.
My suggestion would be to find a place where you are dealing with the owner. Go out and meet them, tell them what happened and where you stand. Be open and honest and you may find that there are a lot of compassionate people out there. good luck and God bless.