General Landlording & Rental Properties
Market News & Data
General Info
Real Estate Strategies
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/hospitable-deef083b895516ce26951b0ca48cf8f170861d742d4a4cb6cf5d19396b5eaac6.png)
Landlording & Rental Properties
Real Estate Professionals
Financial, Tax, & Legal
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/equity_trust-2bcce80d03411a9e99a3cbcf4201c034562e18a3fc6eecd3fd22ecd5350c3aa5.avif)
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/equity_1031_exchange-96bbcda3f8ad2d724c0ac759709c7e295979badd52e428240d6eaad5c8eff385.avif)
Real Estate Classifieds
Reviews & Feedback
Updated over 9 years ago on . Most recent reply
Chapter 13 in 2012, credit score 780, rent or pass
A family of 4, Moving from out of town. they filed a chapter 13 in 2012 to keep their house in socal. due to recent job they had to move, will have a contract job for a year at local college. current credit score is 790. my rent is on par with zillow estimate..
income wise, they made the 3x gross multiplier. (I'd say 5x if both combined).
Both have higher education, previous landlords are the college housings...
rent or pass? I feel that they won't have problem paying the rent, but with utilities and all, plus food, etc.. I'm not sure.
If I'm in their seat, I would go for lower rent, but everyone is different..
Should I care about previous ch.13?
Most Popular Reply
![Richard C.'s profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/110903/1694556212-avatar-randsc.jpg?twic=v1/output=image/cover=128x128&v=2)
If you decline them, try to sell them on the joys of living in New Hampshire, and I'll happily take them.
One thing to bear in mind about bankruptcy is that you cannot immediately do it again. In that sense, a recent bankruptcy is actually better than an older one.
Just mentioning that because it is counter-intuitive to many landlords.