apartments in indianapolis that accept evictions

Finding Apartments in Indianapolis That Accept Evictions

Finding housing after an eviction can be challenging, but not impossible. Indianapolis offers a range of apartments that may consider applicants with prior evictions, depending on the circumstances and the property management company’s policies. Understanding your rights as a tenant and knowing where to look are crucial steps in securing suitable housing.

Understanding Eviction Records and Tenant Screening

An eviction record can stay on your credit report for up to seven years, impacting your ability to rent. Landlords typically use tenant screening services to review credit history, criminal background, and eviction records. However, not all landlords automatically reject applicants with evictions. Factors like the reason for the eviction, the length of time since the eviction occurred, and your current financial stability can all play a role in a landlord’s decision. Learning about tenant screening from a reliable source like Wikipedia on tenant screening can empower renters to understand their rights.

Strategies for Finding Apartments That Accept Evictions

Several strategies can increase your chances of finding an apartment in Indianapolis after an eviction:

• Be Honest and Transparent: Address the eviction upfront in your application and be prepared to explain the situation. Honesty shows responsibility and willingness to learn from past mistakes.
• Improve Your Credit Score: Work on improving your credit score by paying bills on time and reducing debt. A stronger credit score can help offset the negative impact of an eviction record.
• Offer a Larger Security Deposit: Some landlords may be willing to overlook an eviction if you offer a larger security deposit or pre-pay several months of rent.
• Seek Co-Signers or Guarantors: A co-signer with a strong credit history can provide additional security for the landlord.
• Look for Independent Landlords or Smaller Property Management Companies: Smaller companies may have more flexible screening policies than large corporate complexes.
• Consider Second Chance Apartments: Some apartment complexes specialize in renting to individuals with credit challenges or past evictions. Research apartment complexes that are classified as “second chance”.

Resources for Finding Housing in Indianapolis

Several resources can help you find apartments that accept evictions in Indianapolis:

• Online Rental Websites: Filter your search on websites like Zillow, Apartments.com, and Trulia by price range, amenities, and location. Contact the property managers directly to inquire about their eviction policies.
• Local Housing Agencies: Contact local housing agencies or non-profit organizations that may offer assistance in finding affordable housing or resources for tenants with eviction records.
• Craigslist and Facebook Marketplace: These platforms often list apartments from independent landlords who may be more open to considering applicants with evictions.

Preparing Your Application

To increase your chances of approval, prepare a strong rental application package:

• Proof of Income: Provide recent pay stubs or bank statements to demonstrate your ability to pay rent.
• Letters of Recommendation: Obtain letters of recommendation from previous landlords, employers, or community leaders.
• Explanation Letter: Write a letter explaining the circumstances of your eviction, how you have addressed the issues that led to the eviction, and why you would be a responsible tenant now.

Frequently Asked Questions

What is a “second chance” apartment?

Second chance apartments are rental properties that are willing to rent to people who have a less-than-perfect rental history, including evictions or poor credit.

How long does an eviction stay on my record in Indiana?

An eviction can stay on your record for up to seven years, but it’s essential to check your credit report to see the specific details and ensure accuracy.

Can a landlord deny me an apartment because of a past eviction?

Yes, a landlord can deny your application based on a past eviction, but they must adhere to fair housing laws. They cannot discriminate based on protected characteristics like race, religion, or disability.

Are there laws protecting tenants with eviction records in Indianapolis?

While there aren’t specific laws protecting tenants with eviction records, fair housing laws prevent discrimination based on protected characteristics. Consult with a legal aid organization for specific advice on your situation.

What if the eviction was due to circumstances beyond my control, like job loss?

Explain the circumstances in your application and provide documentation to support your claim. Transparency and honesty are key when addressing the eviction.

Summary

Finding apartments in Indianapolis that accept evictions requires persistence and a proactive approach. By understanding your rights, being honest and transparent, and leveraging available resources, you can increase your chances of securing suitable housing. Focus on improving your financial situation and showcasing your responsibility as a tenant to overcome the challenges posed by a past eviction.