For Rent in San Marcos>Question Details

Louflor, Renter in San Marcos, CA

bad credit and eviction , how do we qualify to rent

Asked by Louflor, San Marcos, CA Tue May 31, 2011

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Michael Winter’s answer
As mentioned, cash is king. When screening Tenants, we always lean toward those who are up-front and honest with their past. Many, if not most potential Tenants have "poor" credit today so, don't let it keep you from at least contacting the Owner or Leasing Agent. It would really help a lot if you could pay several months rent up-front - or at the very least, demonstrate the ability to do so. Best of Luck!
Web Reference:
0 votes Thank Flag Link Tue Jul 26, 2011
Hello Louflor, you may qualify to buy easier than renting but you can rent with bad credit and an eviction with more deposit in most cases. You can buy with minimum out of pocket expenses with a 580 fico score.

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
BRE# 01140252
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9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7 or

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4 votes Thank Flag Link Wed Apr 1, 2015
Hello Sheryl,

This is all interesting to hear. Especially since my husband and I were recently denied a lease at 2 different locations. My credit score is 588 and my husband's is 633. Our Net income is over $9000 per month. And our debt payments per month are $1900 (that includes consumer, school loans, medical, and car payments). We do not have any evictions or bankruptcies.

So why is it, we have been turned down twice now?
Flag Sun Nov 8, 2015
Thank you Shelly. My husband and I became homeless 03/2014 due to his disability terminating. We couldn't pay our rent because we both couldn't get jobs soon enough. When he did get a job, it was through a temporary agency. He only got temporary jobs that lasted only 1 week or less. He signed up for health, vision, dental and life insurance through this temporary agency and pretty-soon we were left with nothing for vehicle fuel, groceries, utilities, nor rent. This all happened in 12/13 so by 03/12/2014 we were out on the street and still are due to the eviction that should have never been on our credit report. The manager where the eviction came into view since 01/2013, is due to her taking rent payments and leaving with everyones money. So, she had been doing this for quite some time and going to casinos and what not until she decided to up and leave. We should not have this eviction on our report. We've been denied 4 times and ripped-off 2 times. We don't know what to do
Flag Mon Jul 6, 2015
That EZ Lease thing is ridiculously high and asking a person to give up almost $2000! We have an eviction from over 7 years ago and bad credit that we are having repaired; just not soon enough. I thought that EZ Lease would be great since they don't do a credit check. But, with all that sounds too good to be true, THERE IS ALWAYS A CATCH.

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.
1 vote Thank Flag Link Sat Jul 4, 2015
You can get qualified at EZ Lease Rentals if you have a bad credit and eviction. The company helps people with issues like bad credit history, foreclosures, eviction, bankruptcy, divorce and more. A few requirements with no credit check is needed, proof of income and no criminal record.
1 vote Thank Flag Link Fri Jun 14, 2013
Help me I need an apartment but I have a Eviction on my credit
Flag Sat Apr 30, 2016
hi my name is Kimberly. I work full time & can afford to pay rent no more than 650.00 monthly but I do have a current eviction from 2014. ive tried to find apartments that do no credit check and cant find any!!!!!!!!!!!!!!! im in need but will not settle for less..... can someone please help me or point me into the right direction thanks
0 votes Thank Flag Link Tue Jul 21, 2015
and im located in Atlanta ga
Flag Tue Jul 21, 2015
0 votes Thank Flag Link Sat Jul 4, 2015
Ez lease rentals only rent in specifics states and require you to make $400 a month. Any out there that work in any state and not such a high income requirement? Can Anyone answer this question
0 votes Thank Flag Link Mon Dec 1, 2014
IreneBurciaga Renter in Los Angeles, ca
We have kids and need an apartment ASAP but we have bad credit an eviction and staying an hotels. We need a home
0 votes Thank Flag Link Mon Nov 24, 2014
We have kids and need an apartment ASAP but we have bad credit an eviction and staying an hotels. We need a home
0 votes Thank Flag Link Sun Jul 28, 2013
You can qualify to rent through EZ Lease Rentals, a company that helps people rent even after eviction/bad credit. Check them out, you won't regret it!
0 votes Thank Flag Link Wed May 8, 2013
Try and build up a reserve, a few months rent in the bank. It will make you feel better and help the landlord pick you. And I agree with the comments below all are good tactics also. Cash is king build up a little and you'll sleep better too.
0 votes Thank Flag Link Tue May 31, 2011
Hi Louflor,
Repair your credit by paying all your bills on time. Then maybe try to rent. Good Luck
0 votes Thank Flag Link Tue May 31, 2011
Be upfront with the landlord(s) and explain your situation; one could consider offering additional money for security, pre-paying some of the rent, etc.
0 votes Thank Flag Link Tue May 31, 2011
A lot of people are in your shoes, unfortunately.
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.
0 votes Thank Flag Link Tue May 31, 2011
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