National Relief Program

Second Chance Apartments that Accept Evictions: Fresh Starts & New Beginnings for Renters


Second chance apartments that accept evictions are a crucial resource for individuals facing housing challenges due to past rental history. These specialized rental properties offer a more forgiving approach to tenant screening, prioritizing factors like current income and stability over previous evictions. By providing accessible housing options and flexible requirements, they empower those with past setbacks to secure a fresh start and rebuild their rental history.

Understanding Eviction-Friendly Rental Options

Facing an eviction can be a stressful and isolating experience. The good news is that it doesn't mean the end of your housing journey. Eviction-friendly apartments, also known as second chance apartments, offer a valuable solution for renters with past evictions on their records.

What Sets Eviction-Friendly Apartments Apart?

Unlike traditional rentals that may have strict screening criteria, eviction-friendly apartments adopt a more understanding approach. They recognize that evictions can occur for various reasons, not all of which reflect a renter's overall reliability.

Key characteristics of eviction-friendly apartments:

  • Flexible Screening: These apartments often place less emphasis on credit scores and past evictions, focusing instead on current income, employment stability, and rental references.
  • Alternative Criteria: Some properties may require a larger security deposit, a co-signer, or proof of consistent income to mitigate potential risk.
  • Variety of Options: Eviction-friendly rentals come in various sizes and styles, catering to different needs and budgets.

Who Can Benefit from Eviction-Friendly Apartments?

These rentals are ideal for individuals who have faced evictions due to:

  1. Financial Hardships: Job loss, medical emergencies, or unexpected expenses can lead to temporary difficulties.
  2. Misunderstandings: Disputes with previous landlords or unforeseen circumstances may result in evictions.
  3. Limited Rental History: Young renters or those new to an area might lack extensive rental experience.

Who Qualifies for Second Chance Apartments that Accept Evictions?

Second chance apartments are designed to be inclusive, but they do have some basic qualifications to ensure a good fit for both the renter and the property. While specific criteria can vary between landlords and locations, here's a general overview:

Common Eligibility Requirements:

  • Proof of Income: Landlords typically want to see proof of a steady income that can comfortably cover the rent. Pay stubs, bank statements, or a letter from your employer can suffice.
  • Rental History: While a past eviction is understandable, landlords may look for other positive aspects of your rental history, like on-time payments or good references from previous landlords.
  • Background Check: A criminal background check is standard, but minor offenses might not automatically disqualify you, especially if they're in the distant past.
  • Willingness to Pay More: Some second chance apartments may have slightly higher rent or require a larger security deposit compared to traditional rentals.

Who is a Good Fit for Second Chance Housing?

  • Individuals with Evictions: This is the core target audience, offering a chance to rebuild their rental history.
  • People with Poor Credit: While credit scores are less emphasized, showing a willingness to improve your financial situation is a plus.
  • First-Time Renters: Those with limited or no rental history can find a welcoming environment in second chance apartments.
  • Individuals with Minor Criminal Histories: Certain offenses may be overlooked, depending on the landlord's policy and the nature of the crime.

Income Requirements for Second Chance Housing

While second chance apartments are more lenient with credit and rental history, income is still a key factor in qualifying for these rentals. Landlords want to be sure you have the financial means to consistently pay rent on time.

General Income Guidelines:

  • Income-to-Rent Ratio: Most landlords prefer that your monthly income is at least two to three times the monthly rent. For example, if the rent is $1,000 per month, your gross income (before taxes) should ideally be between $2,000 and $3,000.
  • Proof of Income: You'll need to provide documentation to verify your income. This typically includes:
    • Pay stubs
    • Bank statements
    • Tax returns
    • Letter from your employer
  • Additional Income Sources: If you have additional income sources like freelance work, alimony, or social security benefits, be sure to include those as well.

Variations and Flexibility:

  • Minimum Income Thresholds: Some landlords may have specific minimum income requirements, especially for higher-priced apartments.
  • Debt-to-Income Ratio: In addition to income, landlords might consider your debt-to-income ratio (DTI) – how much of your income goes towards debt payments. A lower DTI is generally more favorable.
  • Co-Signers: If your income falls short, having a co-signer with a higher income can often satisfy the landlord's requirements.

Tips for Demonstrating Financial Stability:

  • Consistent Employment: Showing a stable employment history, even if you've had some gaps, can be a positive sign.
  • Savings: Having some money in savings demonstrates financial responsibility and can be reassuring to landlords.
  • Budgeting: Creating a budget that shows how you can comfortably afford the rent and other living expenses can be helpful.

Remember: Income requirements can vary depending on the landlord, the specific apartment, and your location. Be sure to inquire about the specific income guidelines for any second chance apartments you're interested in.

Credit Score Considerations for Eviction-Friendly Rentals

While second chance apartments are more forgiving of past financial missteps, your credit score isn't entirely irrelevant. It's one piece of the puzzle that landlords use to assess your overall financial responsibility.

How Credit Scores Are Viewed:

  • Less Emphasis: Compared to traditional rentals, second chance apartments typically place less weight on credit scores. They understand that evictions and financial setbacks can negatively impact credit history.
  • Not a Dealbreaker: A low credit score might not automatically disqualify you from a second chance rental. However, it could influence factors like the security deposit amount or whether a co-signer is needed.
  • Focus on Recent History: Landlords often pay more attention to your recent credit activity than your overall score. If you've been making on-time payments and improving your credit, it can work in your favor.

What Landlords Look For:

  • Payment History: Late payments, collections, or bankruptcies can be red flags, but consistent on-time payments demonstrate responsibility.
  • Debt-to-Income Ratio: This shows how much of your income goes towards debt payments. A lower DTI indicates you have more financial breathing room.
  • Credit Utilization: This refers to how much of your available credit you're using. Keeping it low shows you're managing credit responsibly.

Tips for Navigating Credit Concerns:

  • Check Your Credit Report: Before applying, obtain a free copy of your credit report to identify any errors and understand your current standing.
  • Explain Any Negative Marks: If you have a legitimate reason for a poor credit history (e.g., job loss, medical expenses), be prepared to explain it to the landlord.
  • Highlight Improvements: If you've been working to improve your credit, provide evidence like recent on-time payments or a higher credit score.
  • Offer a Larger Security Deposit: If your credit is a concern, offering to pay a larger security deposit can reassure the landlord.
  • Consider a Co-Signer: A co-signer with good credit can help offset any concerns about your own creditworthiness.

Remember, your credit score is just one factor in the rental application process. By focusing on your current income, employment stability, and positive references, you can still secure a second chance apartment even with less-than-perfect credit.

How to Find Second Chance Apartments Near You

Finding an eviction-friendly apartment may require some extra effort, but there are several resources available to help you in your search:

Online Platforms:

  • Second Chance Apartments: This platform specializes in connecting renters with eviction histories to landlords who offer second chances. It covers a wide range of locations across the U.S. (
  • This popular rental platform allows you to filter your search for properties that accept evictions or have flexible rental requirements. (
  • Zillow: While not specifically for second chance rentals, Zillow allows you to filter for properties that accept "no credit check" or "low credit," which can be a good starting point. (

Property Management Companies:

  • Progress Residential: This company manages a large portfolio of rental properties, some of which may offer second chance options. (
  • Invitation Homes: Similar to Progress Residential, Invitation Homes has a variety of rental options, some of which may be suitable for renters with past evictions. (

Local Resources:

  • Public Housing Agencies (PHAs): Your local PHA may have information on affordable housing programs that are open to renters with evictions. (
  • Non-Profit Organizations: Many community-based organizations offer resources and assistance to renters facing housing challenges, including eviction histories.

Additional Tips:

  • Networking: Talk to friends, family, and acquaintances who may have knowledge of eviction-friendly landlords or properties.
  • Social Media Groups: Many online communities and Facebook groups are dedicated to second chance rentals.
  • Direct Outreach: Contact landlords or property managers directly and inquire about their policies regarding evictions.

Remember: Don't get discouraged if you don't find a suitable apartment right away. Keep searching, be persistent, and be upfront about your situation with potential landlords. Your honesty and transparency will go a long way in finding a place that welcomes you with open arms.

Government Assistance for Second Chance Renters

While the government doesn't have specific programs labeled "second chance renter assistance," several existing programs can provide valuable support to individuals with past evictions:

  1. Housing Choice Voucher Program (Section 8): This program helps low-income families, the elderly, and the disabled afford decent, safe, and sanitary housing in the private market. While not specifically designed for second chance renters, many landlords who accept Section 8 vouchers may be more open to applicants with eviction histories.
  2. Public Housing: Public housing agencies (PHAs) offer affordable rental housing to low-income families, the elderly, and people with disabilities. Some PHAs may have specific programs or policies for renters with eviction records.
  3. State and Local Programs: Many states and cities offer additional rental assistance programs or have dedicated funds to help individuals facing housing instability, including those with eviction records. Check with your local housing authority or social services agency to learn about available resources.
  4. Legal Aid: If you're facing legal issues related to your eviction or housing rights, legal aid organizations can provide free or low-cost legal assistance and representation. (Legal Services Corporation)

Additional Resources:

  • U.S. Department of Housing and Urban Development (HUD): HUD's website offers a wealth of information on various housing programs and resources. (
  • National Low Income Housing Coalition (NLIHC): The NLIHC advocates for affordable housing and provides resources for low-income renters. (

Tips for Accessing Government Assistance:

  • Research: Learn about the different programs available in your area and their eligibility requirements.
  • Contact Your Local Agencies: Reach out to your local housing authority, PHA, or social services agency to inquire about specific programs and application processes.
  • Be Persistent: Securing government assistance can sometimes take time and effort. Don't be discouraged if you don't find immediate results.
  • Seek Help from Nonprofits: Many non-profit organizations specialize in housing assistance and can help you navigate the application process.

Remember, government assistance programs can be a valuable resource for second chance renters. By taking advantage of these programs, you can find affordable and stable housing, even with a past eviction on your record.

Know Your Rights and Protections

Even with a past eviction, you have important rights as a renter. Understanding these rights can empower you throughout your housing search and tenancy.

Key Rights for Renters with Evictions:

  1. Fair Housing Laws: The Fair Housing Act prohibits discrimination based on race, color, national origin, religion, sex, familial status, or disability. This means landlords cannot refuse to rent to you solely because of a past eviction.
  2. State and Local Tenant Protections: Many states and cities have specific laws that protect tenants' rights, including those with evictions. These laws may cover:
    • Notice Requirements: Landlords must provide proper notice before filing an eviction.
    • Right to Cure: In some cases, you may have the right to fix the issue (e.g., paying back rent) to avoid eviction.
    • Limits on Screening Practices: Some jurisdictions restrict how landlords can use eviction records in screening applicants.
    • Retaliation Protections: Landlords cannot retaliate against you for exercising your legal rights, such as reporting code violations.
  3. Privacy Rights: Landlords cannot share your eviction history with unauthorized individuals. Your rental history is confidential information.
  4. Right to a Safe and Habitable Home: Even with a past eviction, you have the right to live in a safe and habitable dwelling that meets basic health and safety standards.
  5. Right to Challenge an Unlawful Eviction: If you believe your eviction was unlawful or discriminatory, you have the right to seek legal recourse.

Resources for Renters:

  • Legal Aid: Legal aid organizations provide free or low-cost legal assistance to low-income individuals, including those facing housing issues.
  • Tenant Rights Organizations: Many non-profit organizations advocate for tenants' rights and offer resources and information.
  • Local Housing Authorities: Your local housing authority can provide information on tenant rights and resources in your area.

Proactive Steps:

  • Research Local Laws: Familiarize yourself with the tenant protection laws in your state and city.
  • Document Everything: Keep copies of all communication with your landlord, rental agreements, and any relevant documents.
  • Seek Legal Advice: If you have questions about your rights or face discrimination, consult with a legal professional.

Remember: An eviction doesn't strip you of your rights as a renter. By knowing your rights, you can advocate for yourself and ensure fair treatment in the housing market.

Frequently Asked Questions
What are second chance apartments?

Second chance apartments are rental properties designed for individuals with past evictions or less-than-perfect credit. They offer more flexible leasing criteria, focusing on current income and rental references over past financial missteps.

How do I find second chance apartments near me?

You can find second chance apartments through online platforms like Second Chance Apartments, (filtered for "no credit check" or "low credit"), and Zillow. Property management companies like Progress Residential and Invitation Homes may also have options. Additionally, local resources like public housing agencies and non-profit organizations can offer assistance.

What are the income requirements for second chance apartments?

While it varies, most landlords prefer your monthly income to be two to three times the rent amount. You'll need to provide proof of income through pay stubs, bank statements, or a letter from your employer.

Do I need a co-signer for a second chance apartment?

A co-signer is not always required, but having one with good credit can strengthen your application, especially if your income or credit history is less than ideal.

How much is the security deposit for a second chance apartment?

Security deposits for second chance apartments can be higher than those for traditional rentals. It might be one and a half to two times the monthly rent, but this can vary depending on the landlord and your specific situation.

Will my eviction show up on a background check?

Yes, an eviction will typically show up on a background check. However, second chance apartments are more understanding of past evictions and may focus more on your current financial stability and rental references.

What are my rights as a renter with an eviction?

You still have rights as a renter, even with an eviction on your record. Fair Housing laws protect you from discrimination, and state/local tenant protections may offer additional rights regarding notice periods, the right to cure lease violations, and more.

How can I improve my chances of getting approved for a second chance apartment?

Be upfront about your eviction history, highlight your current income and employment stability, provide positive rental references, and consider offering a larger security deposit or having a co-signer.

Are second chance apartments more expensive than regular apartments?

Second chance apartments might have slightly higher rents or security deposits compared to traditional rentals due to the perceived higher risk for landlords.

Can I get government assistance for a second chance apartment?

While no program specifically targets second chance renters, you might be eligible for general rental assistance programs like Section 8 housing vouchers or public housing. Contact your local housing authority or social services agency to explore your options.

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