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Updated over 10 years ago on . Most recent reply

User Stats

3,269
Posts
2,367
Votes
Ann Bellamy
  • Lender
  • Tyngsboro, MA
2,367
Votes |
3,269
Posts

It's my fault that my potential applicant is scamming the disability system. Who knew?

Ann Bellamy
  • Lender
  • Tyngsboro, MA
Posted

I'm taking calls from people about an available apartment I have in NH.  I screen them on the phone before I set an appointment even for an open house.  I require that they actually be able to afford the apartment and be able to show that the rent is no more than 40% of their documented gross income.   After some preliminary discussion about the amenities in the unit, he wants to set up an appointment, and part of our conversation continued as follows:


Me: I have income requirements for my units, do you mind telling me what you do for work?
He: I'm a flooring installer
Me: Great, do you work for someone else or are you self employed?
He: Self employed but I do my work for <Company withheld>
Me: Ok, fine, can you tell me how much you make?
He: $2300 per month
Me: Awesome, can you document that?
He: No, I'm on disability
Me: Ok, so you can't document all your installation income, but how much can you document?
He: $2500 per month
Me: Ok, that's more than the $2300 that you can't document.
He: No it's $1250 per month.
Me: Ok, so you get $1250 in disability income that you can document, but can't document any of your installation income, is that right? (I'm making that leap of understanding)
He: That's right, I work for my brother under the table because I'm on disability but I don't have to do any actual work.  (I wonder if <company withheld> would like to know that?)
Me: I'm sorry, I don't think I can help you, because your documented income is less than the minimum required for this unit.
He: It's people like you that make me do what I do.
Me: I'm sorry, we require that your documented income be enough that no more than 40% of it is needed to pay the rent. Income you are receiving under the table without documentation doesn't qualify for that.
He: Yeah, I'm learning about New Hampshire <click>

Most Popular Reply

User Stats

21
Posts
5
Votes
Kate Stallmann
  • North Conway, NH
5
Votes |
21
Posts
Kate Stallmann
  • North Conway, NH
Replied

Yeah in NH we don't go out of our way to help you defraud the system,  how crazy is that?! 

Sorry about the loss of that potential renter,  Ann.   ;) 

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