apartments in indianapolis that take evictions

Apartments in Indianapolis That Accept Evictions

Finding an apartment in Indianapolis after an eviction can be challenging, but not impossible. While many landlords screen potential tenants using background checks that reveal eviction history, some properties are more lenient or offer programs designed for individuals rebuilding their rental history. These apartments often focus on factors beyond credit scores and eviction records, such as consistent income and a positive attitude.

Understanding Eviction Records and Landlord Screening

An eviction record is a matter of public record, often accessible through court databases. Landlords use background checks to assess a tenant’s risk of failing to pay rent or damaging property. According to the Wikipedia entry on Eviction, an eviction is the removal of a tenant from rental property by the landlord.

Why Some Apartments Accept Evictions

Certain apartment complexes are willing to consider applicants with prior evictions for several reasons:

• Vacancy Rates: Properties with high vacancy rates may be more flexible to fill units quickly.
• Second Chance Programs: Some communities offer programs specifically designed to help individuals with imperfect rental histories secure housing.
• Individual Assessment: These landlords look beyond the eviction and consider factors like current income, employment history, and references. They might require a larger security deposit or a co-signer.
• Private Landlords: Individual landlords might have more discretion than large property management companies.

Where to Find Apartments That Accept Evictions in Indianapolis

Finding these apartments requires effort and research:

• Online Search: Use search terms like “apartments accepting evictions Indianapolis,” “second chance apartments Indianapolis,” or “fair chance rentals Indianapolis.”
• Local Housing Agencies: Contact local housing authorities or non-profit organizations that provide housing assistance. These organizations often have lists of landlords willing to work with individuals facing housing barriers.
• Craigslist and Facebook Marketplace: Private landlords often advertise on these platforms. Be cautious and verify the legitimacy of listings before submitting any applications or payments.
• Drive Around and Look: Sometimes simply driving around neighborhoods and looking for “For Rent” signs can lead to opportunities with smaller landlords who are more understanding.

Tips for Applying to Apartments After an Eviction

Increase your chances of approval by taking these steps:

• Be Honest: Disclose the eviction upfront during the application process. Honesty builds trust.
• Explain the Circumstances: Provide a clear and concise explanation of the circumstances that led to the eviction. Emphasize any positive changes you’ve made since then.
• Provide References: Gather references from previous employers, community leaders, or anyone who can vouch for your character and reliability.
• Demonstrate Financial Stability: Provide proof of stable income, such as pay stubs or bank statements. Offer to pay a larger security deposit if possible.
• Be Patient and Persistent: Finding the right apartment may take time. Don’t get discouraged and continue your search.

Frequently Asked Questions (FAQs)

What credit score is needed to rent an apartment in Indianapolis?

While there is no fixed minimum, a credit score above 620 significantly improves your chances. Some landlords may accept lower scores with a larger deposit or co-signer.

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

An eviction can remain on your credit report for up to seven years and may remain visible in court records indefinitely.

What is considered a bad rental history?

A bad rental history includes evictions, late payments, property damage, and negative reports from previous landlords.

How can I improve my chances of renting after an eviction?

Improve your credit score, secure stable employment, save for a larger security deposit, and obtain positive references.

Are there any legal protections for tenants with eviction records in Indianapolis?

Indianapolis has local ordinances regarding tenant rights, but there aren’t specific laws preventing landlords from considering eviction history. Fair Housing laws prohibit discrimination based on protected characteristics, but eviction history is not a protected class.

Summary

While navigating the Indianapolis rental market with an eviction on your record presents hurdles, it is certainly achievable. By being proactive, honest, and prepared, and by targeting apartments known to be more lenient, you can increase your chances of securing a suitable place to live.