TALK TO EXPERT: 409-255-0197

🔵 Self-Employment:

Self-employed individuals might not have regular pay stubs or consistent income records when applying for an apartment. Their income can fluctuate, and many communities may require tax returns or bank statements to verify earnings. If you don’t have these or they don’t meet the 3x income requirement, we should talk!

🔵 New Job:

If you’ve just started a new position or are transferring to a new company, you might not have received your first paycheck yet. In this case, an employment offer letter on company letterhead detailing your salary, wage, and weekly hours can help. Lack of real-time proof of income shouldn't stop you from getting approved!

🔵 Gaps in Employment:

If there are gaps in your work history, it can be difficult to provide continuous proof of earnings. Many apartment communities average the last 4 to 6 weeks of pay stubs. If you've been sick or on vacation, get in touch with us before applying, so we can guide you through handling this situation.

🔵 Cash Income:

People paid in cash (such as restaurant servers or independent contractors) may lack official records of their earnings. If this applies to you, we can help find communities that understand these circumstances.

🔵 Unreported Income:

If you earn money through freelance work or cash transactions and haven’t reported it for tax purposes, you may lack the standard proof of income required by apartment screening companies. Let's discuss your situation before you apply, so you don’t waste your application and admin fees!

🔵 Freelancers and Contractors:

Freelancers or independent contractors may not receive regular pay stubs, and their income can vary depending on client payments. This can make it difficult to provide typical income verification documents, but we know which communities will accommodate these situations!

🔵 Seasonal Work:

Seasonal workers (e.g., farm laborers or retail employees during holidays) may experience fluctuating earnings and may not have up-to-date proof of income during slower seasons. If this sounds like your situation, give us a call before applying, so we can guide you to the best options!

🔵 Recent Graduate:

Recent graduates may not have consistent employment or income documentation yet. We can help you find apartments that are more flexible in their requirements!

🔵 Retirees:

Retired individuals often don’t have employment income documentation but rely on retirement benefits, Social Security, or savings. In these cases, providing proof of income equal to or greater than 3x the annual rent in savings or brokerage accounts is key.

🔵 Disability or Unemployment Benefits:

People receiving disability, SSDI, or unemployment benefits may not have traditional income documentation but can provide statements of benefits. Let’s discuss your situation and create a plan!

🔵 Bankruptcy:

Those who have recently gone through bankruptcy might not have traditional income documentation. It’s important to ensure you’re officially out of bankruptcy before we explore your best housing options.

🔵 Loss of Income Documentation:

If income documentation has been lost, stolen, or destroyed, we can help find solutions to address this challenge.

🔵 International Applicants:

Applicants from other countries may not have income documentation that aligns with local apartment standards. Foreign income sources might be difficult to verify by screening companies, but we can work together to navigate this and find the right apartment for you!