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Rookie needs advice for tenant screening in C class neighborhood.
Hello BP,
This is a hit to my pride to post, but I need advice. I completed my first rehab to rent in July of last year. It is a quadplex and all units were rented until recently. I just had my first eviction and, needless to say, it was messy. I enlisted the help of a buddy who has several rentals all over town and has done very well with them over a period of about five years. However, it appears the screening was not done well enough. His properties are not in the same area as mine, which is in a C- neighborhood. The tenant just evicted also owed about six months of gas payments. For whatever reason, she put the electric in her name but not the gas. A second tenant is also now very late on rent and likely will get evicted as well. As such, I had to take things into my own hands and do some research with PM books and here on BP. The following is a list of screening rules that I’ve set. Please critique:
-Deposit Requirement: $1000.00. Purpose is twofold: additional protection against losses, and helps to ensure we have tenants that keep some money in the bank.
-Full tenant screen on mysmartmove.com. $40 application fee to cover screen and includes a resident score based on: credit, background check, credit report, eviction report and income insight.
-Income 3x monthly rent, no exceptions.
-Credit score over 600.
-Late medical bills, student loan payments ok as long as attempt is being made to pay. Late utility, credit, personal loan, auto loan etc. are no-go because the tenant is not able to pay or prioritizing living expenses.
-3 references from past landlords or work supervisors. No friends and family.
-No felons/sex offenders/judgements/liens/collections.
Also, regarding the tenant that just got evicted and the one that is likely getting evicted: is it worth filing in small claims court or turning over to a collections agency?
Love to hear from @Peter Lohmann . I’ve read some of your posts and understand you are in Columbus as well.
Thanks all for your time.
Spenser
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- Rental Property Investor
- Erie, pa
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Geez If I used your standard I’d never get one applicant . Those are B class standards Atleast around here ! 600 credit score ? Are you kidding ? Lol most of the tenants in this asset class can’t even count to 600! 1000$ move in cost ?? Crazy Man I doubt half of these folks had ever held that much money at one time in their life . Using someone else’s standard from Colorado isn’t going to work in Ohio too well . My experience in C and D is much different . If you want to deal with these people you need to be as savage as them and be able to make deals with them belly to belly . Turnover is a killer evictions are a killer . You can prevent a lot of this headache by never allowing anyone in that has had an eviction . I don’t care what excuse they use to justify it don’t you ever never ever take on someone who has been evicted ! Don’t do it