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Apartment Rentals With Bad Credit in Florida – 6 Tips

poor credit

Bad credit can be a hurdle when it comes to renting an apartment in Florida.

Fear not! When armed with the right information, those with bad credit still have many options.

In this article, we’ll outline our top tips to help you find the best apartment rental, even with bad credit.

Tip #1: Can I Get An Apartments With Bad Credit?

Yes, there are apartments available with bad credit; it’s just a matter of finding them.

The best way to find out if any apartments in your area would be suitable for you to rent with bad credit is to use Internet hubs such as Facebook Marketplace, Craigslist or Apartments.com.

These websites allow you to search for apartments in your area and filter the results only to show apartments that are suitable for you.

You can then take the information you found and contact the landlord directly to discuss renting an apartment in your area.

Tip #2: How To Get A Rental Agreement

When you have found an apartment you and your landlord can agree on, it is time to start negotiating a rental contract. You will need a written contract, which both parties must sign before you move in.

This agreement should detail all of the important aspects of your rental agreement and should spell out how much rent you will pay in advance and when the rest of the money will be paid. It should also detail any other landlord requirements, such as those related to your pets or smoking areas.

Tip #3: How To Protect Yourself During The Negotiation Process


To protect yourself from being taken advantage of during the negotiation process, it is essential to keep copies of all documents that you sign, including the rental agreement and any documentation relating to your references or credit history.

In addition, make sure that you take all of this paperwork with you when viewing your apartment so that you can check it against what is written in the contract. Remember that if something changes after the contract have been signed and before or after you move into your new home, the contract may no longer work for both parties.

Tip #4: What Should Be Included In A Rental Agreement For an Apartment With Bad Credit?

Your agreement should cover everything from how much rent you will pay each month, when the rent payments need to be made, moving costs, and any other costs that may arise. It should also include details about the security deposit and when this needs to be returned.

You may also need an additional document stating what happens if either party breaches their rental agreement, so ensure that this is included in your rental agreement.

Tip #5: How To Make Sure That The Rental Agreement Is In Writing


Your rental agreement must be in writing so everyone has a copy and any documentation relating to your references or credit history. This is because there may be times when one party wants to back out of their rental agreement while the other party wants to stay in the agreement. Having a contract in writing makes things much easier for everyone involved.

Another reason it is essential to keep copies of all documents is that if one party refuses to sign the agreement, then there may not be any way for them to prove exactly how much money they owe or how much something was included in the agreement. They may not be able to prove these things without having all of their documents at hand.

Tip #6: Do I Need A Credit Check Before I Can Rent An Apartment?

credit utilization

Before you can move into an apartment, you typically need a deposit and a credit check. Be prepared for a conversation with the landlord by contacting a credit reporting agency like Equifax and reviewing your credit report.

You will also likely need to provide information about your employment history, bank accounts and debts, and other potential information.

By being up to date on what information the landlord will see when they pull your credit report and review your application, you can prepare explanations to improve your chances that it will not be a hindrance during the application process.

Time to Start The Apartment Hunt!

We hope that the above tips and tricks for finding an apartment with bad credit in Florida have been helpful.

As you can see, there are still many options available and things you can do to find a great place to live here in the sunshine state.

Everybody makes mistakes, and while waiting for your credit score to improve, there’s no reason to have to settle in a less-than-perfect place to call home.

For more information on securing the home of your dreams, be sure to visit GatorRated.com.

Matthew Sanchez

Matthew Sanchez is the lead realtor at Gator Rated. Having called home to both Pinellas & Pasco counties for over 5 years, Matt knows these areas extremely well. Before becoming a certified Florida realtor, Matt had flipped several homes and can easily relate to both the single-family home buyer and investors alike.

If you’d like to learn more about Matthew, please see read his full bio here.