Las Vegas

Bank Statements!
kinky-kass See my TER Reviews 1669 reads
posted
1 / 9

I am searching for a home to rent in Las Vegas and of course I have no verifiable income but I make more than enough to cover the rent. Can anyone give me some answers on how to get around this problem.  
Hobbyist relators HELP!!

Dave76015 38 Reviews 676 reads
posted
2 / 9

First: get a copy of your credit report and FICO score.  The higher the score, the less hassle you'll face.  If you have a lower score (FICO>680), you'll have problems and have to prove income.  

Second: If you don't have a bank account, GET ONE at a local credit union.  Start depositing 3000-4000 a month into it.  You'll have to depend on bank balances to prove income.  Better have six months or more of a track history.  

Third: Looking at your information, there's not a lot of a history showing.  You'll have to build a self-employment profile, and most leasing companies are going to ask for 1-2 years of 1040 + Schedule C as well as 6 months bank statements to prove a) you can afford rent; b) you file and pay taxes and are an honest citizen.  

Finally:  If the income does not verify, or you don't have a solid history, you'll need to find an individual-owned property, or talk to a Realtor and find out what you can do without Verifiable POI.  

Bad thing about Vegas is the sheer number of management company run properties out there.  Don't even think about looking for someone to create paystubs or other documents so you can get a loan.  It's called FRAUD.  You defraud a bank or worse, a credit union, you are looking at Federal violations..

let me know you know if you have questions.

jgoodman222 14 Reviews 676 reads
posted
4 / 9

Pay attention to Dave, he is giving you very good advice.

The only thing I would add is previous history as a renter.  If a past landlord can will be a good credit reference, it will help a lot.

rutmotrum 33 Reviews 636 reads
posted
5 / 9

Pay a bunch up front and the landlord wont care LOL

Hpygolky 233 Reviews 689 reads
posted
6 / 9

I have an apartment building and with those that have low credit scores and or hard to verify income, I just ask for 3-4 months in advance and a moderate security deposit.

mskrystal702 See my TER Reviews 821 reads
posted
7 / 9

In the end it wont get you anywhere just a criminal charge and a record (possibly jail time)  
Start saving your money (if you havent already) and open bank accounts do your taxes etc.Start a business  and write off flights etc.
Been doing it this way for the last couple years and just bought a house a few months ago,The best investment I have ever made.
It was frustrating at first but I knew sooner then later it would all pay off.  

I wish you the best of luck!
Hugs  
Krystal Love

QueenBia See my TER Reviews 589 reads
posted
8 / 9

Can you show you indeed make that much to cover the rent.

lov3lyon3 See my TER Reviews 690 reads
posted
9 / 9

Great advice !!  
Thanks Dave and Ilovewomen

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