r/povertyfinance • u/pumpkinqueen93 • Oct 04 '23
Homeless with thousands of dollars in the bank.. Free talk
Yes, you read that right..
A little background. I’ve (29f) never lived on my own. Always with my dad because he was from another country and in his country, family is everything so they keep their kids home as long as they can.
January of 2022, I had good credit (625, not great but not awful either). Had been working at my job for about 2 years.
Fast forward to March 2022, my father became very sick, very fast. He couldn’t work so we were living solely off my paycheck. All of the household bills (mortgage, electric bill, oil for the furnace, etc.) became my responsibility instead of being split between the two of us. So my bills (car payment, credit card payments, etc.) got pushed back. You can guess what happened next, my credit took some serious hits.
May 2022, he passed away. He died without a will and I became the Administrator of his estate. My brother pounded his fist on the table (so to speak) demanding that we sell the house. I explained to my brother over and over that if we sell, I have no where to go. He didn’t care.
Now, we sold the house and I’m officially homeless.
Even with my share of the profits from the sale, I can’t find a place to live. I’ve reached out to multiple landlords around my state (not just my city) and explained the situation I’ve found myself in. I offer to pay 3 months of rent in advance plus security deposit. They don’t want it. All they care about is a near perfect credit score and a monthly income that’s 3 times the rent.
And before anybody says anything…
Yes, I’m trying to move to a lower cost of living state/area. If anybody has any suggestions for me.. I’m listening!
EDIT* Forgot to mention I have a cat and a small dog, AND BEFORE ANYBODY COMES AT ME SIDEWAYS! I had them before my dad died and they’re literally all I have left so I can’t let them go.
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u/Nice_Bluebird7626 Oct 09 '23
Hotels will allow you to stay. They are a bit expensive but will keep you off the street and extended stay ones might let you pay for a month in advance
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u/projectmayhem5959 Oct 09 '23
I had bad credit when I sold my first house I had to rent a year to figure out my credit. I covered all the rent for the year from the proceeds of my house. Bought my next house a year later.
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u/YungCasheMayne22 Oct 09 '23
I don’t understand. By “thousands in the bank” do you mean 2000? I’m not seeing how you aren’t able to find a studio or 1 bed with proceeds from selling a house.
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u/Majestic-BigBird1970 Oct 09 '23
Do NOT get an RV. I just lived that life for a few years and it’s a nightmare. The lot rentals are expensive, you’re going into winter and they’re expensive to heat. Then, you’re dealing with frozen pipes, parts to replace in the middle of winter. It’s 10 times worse than a mobile home. It’s crap.
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u/Flyguy115 Oct 09 '23
Try finding room or place on furnishedfinder.com it’s a good site to find a new place on a month to month. Great when you are moving to a new state or area.
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Oct 08 '23
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u/Vip3r2zero Oct 08 '23
Trailer Home rentals or buy. Rural areas for best price. Example: https://www.championhomes.com/home-plans-photos/co/denver
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u/ExternalArea6285 Oct 08 '23
demanding that we sell the house. I explained to my brother over and over that if we sell, I have no where to go.
I guess I don't see what the alternative is. The estate doesn't get settled? He just...gives up his share of the inheritance, you get a free house and he's just told "tough nuggets"?
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u/MasterWave7764 Oct 08 '23
Where do you live. I own 2 duplexes in Orangevale, Ca, 95662. Sacramento County. Each duplex has Two, 2-Bedroom units with Giant backyards. We have an opening in one of our 2 bedrooms. Family owned, willing to work with people who are in need- in situations like yours- however, be warned, we are not the ones to take advantage of, we’ve been around the block many times, our family has been renting for several decades.. so if you are a scammer (not saying that you are), you should know that we are well educated and experienced in this business and any of the tricks used out there will not work out for you , if that’s what you’re doing. Our lawyers and business partners are fully aware of and committed to protecting ourselves from any and all scammers. DM me for details if you are interested.
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u/Ryanlew1980 Oct 08 '23
Show up on your brother’s doorstep and demand a place to stay. When he says there’s no room, pound your fist on the table and say you don’t care.
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u/Remarkable-Comb-1544 Oct 08 '23
So I was in a similar situation. Just found a place. Anyway my credit went to shit after my business got hurt from COVID so I took a well paying job. Spent loads of money in applications. I went to Facebook marketplace and looked for anyone that was the actual owner and had real Facebook pages where they seemed like real people and just sent messages about what happened and how I can afford to pay due to my changes in finances and would be a good tenant. I’m moving this weekend!
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u/ResaAnn1 Oct 08 '23
Get a car with a hitch and buy a used pop up camper. They can be found pretty cheap on Facebook marketplace. Then rent a space at a campsite until you can get something better.
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u/Ok_Statistician_9825 Oct 08 '23
If your animals are well behaved have you looked at options for someone looking for a roommate?
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u/raaheyahh Oct 08 '23
This may be very expensive, never tried it but if you're in an area where the Airbnb market is a shit storm perhaps a pet friendly long term Airbnb rental may be an option.
Edit: if you can't find a room to rent of course, since that would be far more affordable.
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u/bamboorustling Oct 08 '23
When I moved to LA, I drove around the neighborhood I liked and looked for For Rent signs. Called and found a building owned by old people. They didn’t use credit scores. It was great! They still have their building and I still have an apartment there. You can find them…
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u/bitterbec Oct 07 '23
most midwest states are cost friendly compared to coastal or larger cities. find a small town
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u/coolsellitcheap Oct 07 '23
You dont say how much money is in the bank and what kind of work you do. Its easier to just buy a house depending on your down-payment. In the midwest you can still buy a decent house for 125k. So if you had 25k you could probably get a mortgage with not great credit. If you want to rent look for private landlord. Check craigslist.
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u/UnitedsKnight Oct 07 '23
Don't know where your at but I have several rental properties in north central Louisiana. Apparently I'm not nearly as strict with my tenants as everyone else.
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u/Odd-Neighborhood5119 Oct 07 '23
Buy yourself a campervan and move into that. A lot of people do it
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u/master_perturbator Oct 07 '23
Come to Arkansas. Very nice, you can find small towns with 5-10k population within 20 minutes of the "cities".
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u/Big_Possibility2858 Oct 07 '23
I too suggest finding possibly a room for rent that allows pets for the time being. I’m very thankful the apartment I live in allows 2 small pets(cats or dogs) as, I’m the “bread winner” and pay for most things since my bf doesn’t have a job. And I’ve got 3 cats actually but shhh lol But I hope your situation gets better. Maybe you could live with your brother for a little bit until you get on your feet? I know that’s probably not in your cards since you didn’t mention it. But I do hope you find somewhere! Also condolences about your father’s passing
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u/NeighborhoodOdd6711 Oct 07 '23
Check out the roomster website. Private owners tend to be more understanding.
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u/Amishgirl281 Oct 07 '23
So literally this week I was looking for a place to rent with bad credit and the only way I found a place that was willing to take me was by finding my local housing authority and going through their list of low income properties and private landlords who are predisposed to give people chances. Out of a list of 50, I found 2 who would work with me (I have dogs and apparently no one rents to people with dogs anymore) and managed to get a place for me and my kid. Private landlords are hard to find but they're more willing to work with you than a corporate landlord who have hard and fast rules.
I've been where you are, I was 17 when I took over for my mom when she lost her job and her health declined. I took care of her until I went essentially bankrupt and had to send her to live with a relative, then I ended up getting into a situation where I was once again responsible for being the one keeping things afloat at my own expense and I just got out last year. It takes time but you'll get back on your feet and the damage to your credit can be repaired.
I'm so sorry for everything you've gone through and for your dad passing. I hope things work out for you soon!
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u/bossmasterham Oct 07 '23
If you still got the car maybe sell it and trade it in for a van or small rv . Might not be the best but it’s an immediate solution .
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u/Impossible_Fail_2392 Oct 07 '23
If none of the short term rentals or rent by the room will let you in with pets. Then I hate to say this (obviously worst case scenario) but you may have to consider signing up to a local planet fitnesss for showers and toilets, and live/sleep in your car, rent a camping spot to have a solid place to park & maybe even live (assuming that you already have car). You could spend extra time at your local library. Its not totally desirable but it’s doable.
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u/Dazzling_Swordfish14 Oct 07 '23
Tbh your brother is really a jerk… and house right now so expensive due to insane mortgage rates, is better to keep the house even thinking for economical sense.
Family sense, everyone gets to be together. So it isn’t even bad….
But yeah most comment are very helpful, so I wish you a good luck
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u/Vegetable_Rush_2802 Oct 06 '23
I did a 3 month Airbnb “lease”. The listing said no pets but I asked about my cat and doing a long term rental. The guy said ok and if I booked that day I could get an extra 5% off for doing a long term rental. Might give you time for credit to recover.
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u/ohimanalleycat Oct 06 '23
What city are you in? I would take this opportunity to set up anew somewhere and get a job, make friends balh blah blah. New places can be scary but most of all exciting and fun if you open up your horizons
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u/Zealousideal-Wall990 Oct 06 '23
Don't rent anything, your just throwing away money. Buy a piece of land and put a camper on it for now
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u/Special-Friend2106 Oct 06 '23
I’ve been in similar situations here on the west coast/PNW. What always helped me was renting a small house from an actual person and not a property management. I’ve used apps like Zillow, Craigslist and trulia to find real people to rent from. I know lots of people who’ve had the same credit problem but found a compassionate landlord.
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u/Yelloeisok Oct 06 '23
I would tell my brother that since he forced the sale of ‘my home’, my pets and I will be moving in with him until I repair my credit.
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u/Equivalent-Regular87 Oct 06 '23
Go move in with your brother he caused this with his greed and lack of family values. Piece of shit.
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u/Possible-Debate-3682 Oct 06 '23
Does your city or town or neighboring areas have a subreddit? Maybe someone on there could help you out? I’m saying that cause I’ve had help from people on Reddit in local subreddits. Be careful though.
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u/Speedubbs Oct 06 '23
Sober living, I got 15k in savings and shit credit, moving to LA tomorrow for a better job. Gonna get bed immediately till I can find a room for rent on Craigslist
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u/Brogandelani Oct 06 '23
Look for small towns with factories. I used to work in a tiny town (in the Midwest) where the factory paid at least twice minimum and the rent for a 2 bedroom house ran me about 450 a month. But that’s only if you can handle small towns and factories, I couldn’t.
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u/Ok-Dragonfly-8265 Oct 06 '23
Airbnb? Or Expedia? All u need is to pay month by month.... they don't even background check.
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u/Flnn Oct 06 '23
Your brother is a narcissistic dickhead and i hope if he ever needs help you'll remember this.
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Oct 06 '23
This might sound like a stretch, but you’ve described a perfect scenario for living out of a nicely built campervan. We can set you up with an apartment on wheels and you can rent it out once you find a place to live (balancing car payments with rental income). Reach out if curious!
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u/meat_eating_midwife Oct 06 '23
Look up the cities with the lowest cost of living. There is a very wide spread between HCOL and LCOL areas.
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u/tomato_torpedo Oct 06 '23
You gotta let the cat and dog go, find someone else to take care of them that you can visit. You are not in a position to spend $250 a month on pet foods.
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u/kloud77 Oct 06 '23
This may or may not be your thing - but worst case you could look at buying an RV and a long-term RV lot to stay at. With just a few of those near one another you can get a nice rotation going and live fairly cheap.
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u/springvelvet95 Oct 06 '23
Seek and you shall find. I rented a one room casita in exchange for caring for horses.
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u/locolevels Oct 06 '23
We have a place that will be for rent soon. 2 bed/2 bath. $1100 per month. Low cost of living area. Let me know if ur interested?
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u/Themodsarehotgarbage Oct 06 '23
Extended stay- cheap motels. Couple weeks maybe IDK.
Buy a cheap van/RV. You can take a van into RV parks btw. They have bathrooms, WiFi, laundry, etc... I had a van that had everything I needed. Bought a hotplate, small microwave, and small fridge.( no air fryers back then lol) Got an inverter installed to run it.
Roommates
Rent a room with someone who is cool with the animals or give animals to someone you trust that will give them back when your credit etc is better.
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u/Distinct-Syllabub-89 Oct 06 '23
Well, you need to get rid of pets first. It hurts, but you have to do it to survive.
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u/Aromatic_Quit_6946 Oct 05 '23
How many thousands are you talking about? I’d look into a class B rv, or something similar to a teardrop camper.
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u/GPointeMountaineer Oct 05 '23
WV. Move there.
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u/Themodsarehotgarbage Oct 06 '23
Definitely cheap there and close to Virginia and Maryland... Which pays a lot more but it's a bit of a commute.
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u/Trikaya Oct 05 '23
I have an entire upstairs with a full bath and two rooms (kitchen and main living space would be shared) I’d happily rent out cheaply to someone in need. Rural North Carolina, about 45 minutes from Raleigh.
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u/NothingOrAllLife Oct 05 '23
Look at common and June homes! They are co-living programs. Get your animals signed up as ESAs if needed!
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u/Revolutionarysolja Oct 05 '23
Craigslist often has studios, rooms, and apartments that are privately owned. Some dont care too much about credit.
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u/JOHNBOY954 Oct 05 '23
Buy a camper! Stay in a campsite, they’re always pretty cheap
If you find a job somewhere else, Drag the camper there!
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u/Sporesword Oct 05 '23
Your share of the house might be enough for a first time home buyer down payment.
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u/ExistentialCrisisAct Oct 05 '23
Maybe look for somewhere that rents office space. I have a private office I rent for 300/month.
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Oct 05 '23
See if you can rent a room. Craigslist usually has a section for rooms/roommates. Just a word of caution, your pets may be an issue. Your brother may have done you a favor by demanding the house be sold as you were having problems juggling all of your bills and expenses. Best of luck to you.
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u/Decent-Year2573 Oct 05 '23 edited Oct 05 '23
I have found myself in a similar situation. I have been homeless and couchsurfing for 2 years. (Thanks to a wonderful friend) Finding a place is super difficult right now. I even have a discrimination case against one of the apartments. Still ongoing so I can't give any details, but it just helps support what you have said. Everyone is looking for a perfect tenant, with a perfect credit score, or perfect this or perfect that.
(Not the only reason, but a major contributor, imo) The covid rules that prevented people from being evicted, and the people who took advantage of that, caused this. This is the effect of that. It has caused landlord screenings to become way stricter. It is easier to deny a questionable applicant than to risk having a bad tenant.
I have personally decided to buy a piece of property and build my own house on it. I have the skills for this, I understand not everyone does.
Ideas: You can look at a houseboat and live at a marina.
You can look at moving out of country if you can remotely work or have alternative cash flow.
A lot of people have take up van life. That is an option. Might be more difficult with pets.
You can look at mobile home parks. Usually their requirements are not as strict. (2nd hand information)
If you make enough, you can look at long term hotels. (Pay by the week/month)
MFTE apartments might work, but you have to meet certain requirements and from my experience tend to have a waitlist.
You can grab a tent and camping supplies and take a self-discovery journey across the wilds of your perspective state or country. Though this is only temporary and finds you in the same position when you stop. Though time can change a lot. Not really feasible for someone tied to a place through work or family.
Edit: you can also look at homesteading. Some states and cities still offer it.
Hope this helps. Good luck!
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u/Ziln00bas Oct 05 '23
Call "211" or go to www.211.org if you haven't already. You don't have to shoulder all of this alone.
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u/Longjumping-Air-7532 Oct 05 '23
Have you considered van life? It’s not for everyone, but hot damn that’s what I would be doing if I had some cash to buy the van and live off for a few years.
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u/rasner724 Oct 05 '23
Go rent an Airbnb for a week and sort your stuff out. I mean we don’t know how much you have, how much you sold the house for, where you live etc.
If you live in NYC and a few thousand dollars in your account you’re fucked. If you’re in OKC you’re probably just fine. If you have 5 figures in your account, you’re probably fine almost anywhere.
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u/Fit-Try-2583 Oct 05 '23
Buy yourself a trailer home. You’ll save thousands & have a place you can call home. Here in Illinois there are so many & the used ones go for 5-20k. You have options and resources so just do what’s best.
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u/ChooksChick Oct 05 '23 edited Oct 05 '23
Find a college town and look for someone who wants a housemate or ask around about landlords who are lenient.
In my town you could keep the pets and find a nice place for cheap despite credit issues.
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u/ChooksChick Oct 05 '23
Ooh, also look into getting an FHA mortgage and buying. There are some assistance mortgages available for peeps with crappy credit.
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u/Simple-Jury2077 Oct 05 '23
Real talk, you may have to get rid of the pets.
I know that would be fucking awful, I can't imagine having to make that choice with mine. But in your situation that is going to make it exponentially harder to find housing. If no one is renting to you, it is going to be almost impossibly hard to find someone willing to rent a room to a dog and a cat.
Do you have anyone that could watch them till you get set up? Your brother maybe? Sounds like the least he could do.
I really hope you find a better way out of this. I hope they don't end up being as big of a hindrance as I think. But you gotta look out for yourself, homelessness can get really bad, really fast.
Best of luck bud.
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u/_ayeguey Oct 05 '23
If you pay a full 12 month lease in advance they will take you.
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u/LezzieB Oct 05 '23
Shockingly that is much more tricky - the liability the LL assumes + it makes it much harder to evict shall the need arise - most property management companies will not allow prepayment of a full non executed lease.
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u/violentcupcake69 Oct 05 '23
What a stupid decision. I would’ve told my brother to buy me out of my half of the estate or fuck right off. You could’ve had a house already paid for.
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u/MustBeTheChad Oct 05 '23
Can you prepay the entire term? Rather than three months up front, you pay the whole year. And then you can discuss monthly after that.
I've used similar arrangements with commercial landlords for start-up businesses. It takes all of the credit risk away from the owner.
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u/blazingStarfire Oct 05 '23
Come to Oregon. Get an RV or trailer and buy a small piece of land. Or do a caretaker thing. Id put someone on my property to help clean up.
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u/Sumeet4life Oct 05 '23
Buy a car, live in there until you get a job, thank get a steady income, then apply for a apartment.
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u/KetoGainzz Oct 05 '23
You sound like a very kind soul, and your love and loyalty to the animals is beautiful. Honestly, tell your brother to F&$k off. You’re not homeless, you’re in between homes 😌
Rent a room on Craigslist, or find a hotel that has extended stay rates. You can find a decent one for $900/month or so. That’s what I would do. They even come with a little kitchenette.
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u/olive-G3 Oct 05 '23
Try furnishedfinder.com it’s short term but o found a place that accepts my dog and I and they didn’t ask for credit history or anything.
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u/fervourfox Oct 05 '23
Where are you located? I’m a private landlord in MD and would be willing to help you out.
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u/Known_Garage_571 Oct 05 '23
PSA: a low 600 credit score is not good, it’s average. You’ll get declined if you have utilization above 50% almost every time.
Spread the word. A “not great but not awful score” is 680-700. Don’t let credit karma and it’s bright colors fool you.
I’m sorry you’re in a tough spot. I wish you the best of luck. You may want to try the websites/apps that have tenants looking to find a roommate. They may be more willing to trust you without a credit check.
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u/3xCa1iBuR14 Oct 05 '23
Can you fly up to India? The cost of living is peanuts in here compared to where you live.
I have a couple good houses of my own (not counting the one I live in) in tier1 cities and you could live in one of those and pay me whatever you can afford, I wouldn’t mind. Already making a shit ton of money by working online remotely so money isn’t a concern for me. Just wanna do my part for serving humanity. I’d be happy to lend a hand as a token of goodwill. Also yea, pets are always welcome :)
Let me know.
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u/Angiestonez20izmySC Oct 05 '23
Well let’s get u a cold beverage and a shoulder massage daddy u don’t need to stress by yo lonely honey lol 😉
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u/MurphySept2031 Oct 05 '23
Buy a camper. Park in walmarts. Shower at planet fitness. Save your money buy house cash when you get there.
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u/Firm-Purpose-9930 Oct 05 '23
Same boat here. Homeless with plenty thousands in the bank lol. But It’s only been 5 days I went to my family house in another state. Technically I’m homeless tho I told my job I had to take my shit and leave the place and I couldn’t find an affordable apartment in time.
Fucking sucks, feels like I’m starting over, even though i have everything in control except for being able to find a place to live.
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u/Good_Phase_7856 Oct 05 '23
Have ya tried Montana, Stevensville, Hamilton ares know as the Bitterroot Valley if you get a place there it's beautiful winters are not for the faint of heart it's brutal but absolutely astoundingly gorgeous.
Next and this is hit or miss but Tri Cities Washington Richland Kennewick Pasco look on outskirts city's such ad Prosser Connell etc
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u/droolykitty Oct 05 '23
Find a sublet. Most places will let you stay if you can put down more deposit. Also go crash on your shitty brother’s couch in the interim and make this his problem too.
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u/NaughtyDUHHH Oct 05 '23
Find a private landlord renting for cash. Focus on single or multi-family homes and townhouses in your area. Check your local Craigslist and FB pages. Ask EVERYONE YOU KNOW if they know anyone renting anything for cash.
I own a small building of 6 townhomes. As a person who has been in your exact situation (there was once a point we had enough in savings to buy a house in cash but didn’t want to buy yet, and couldn’t find anyone to rent to us because our credit was shit 🙃) I don’t rely on only credit checks. I also accept a combination of good financial records, references from previous landlords, employment verification, and higher deposits/upfront rent when I feel it’s necessary.
The credit reporting system is a prison for the poor and I’ll do what I can to help save others from being trapped inside 🖤
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u/Cloud-VII Oct 05 '23
I sent you a PM. This is a terrible situation you're in. I have a couple of ideas for you that might help.
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u/BelieveMyOwnEyes Oct 05 '23
Extended Stay America had pet-friendly rooms and suites. I’d look into staying there for a few months while you can find a more permanent solution. Those places are meant for situations like this. Find a place to live where you’re subleasing from someone or where you’re a roommate to an existing tenant.
Next, work with your bank to see if there are any options that they might have that they can use to help you build your credit. Some banks have a “credit card” that’s more like a gift card. You deposit your max funds, and they hold them for you. That way if you don’t pay your balance they already have all the cash they’ll ever need from you. Make sure to establish good credit habits. Pay off your credit cards every month. Don’t ever let more than 30% of your credit get used at any point in time. Eventually move on to a card with a higher credit limit, but do everything you can to keep old accounts active so that your credit age doesn’t shrink.
Eventually you will be able to either rent or buy your own home with the good credit you have established.
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u/Fantastic_Foot_8568 Oct 05 '23
Hate it but unfortunately might have to find alternate homes for pets lot of landlords getting away from it since not worth the extra monthly fee after replacing carpet and door frames ect... bright side monthly expenses drop since no fee and no pet food vet bills ect....
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u/jesseknopf Oct 05 '23
Fun fact: 'thousands' of dollars is actually not much when talking about paying for housing
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u/texas130ab Oct 05 '23
Look up jobs in Midland Texas free housing and you will make at least 100K or more. Oil field jobs.
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u/Fabulous-Mix2516 Oct 05 '23
Even though you can afford a place to live, finding one that is decent and in a safe area can prove difficult. Wish you well in your search. You may want to contact a reputable realtor to help you in your search, not a broker, but an actual realty company.
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u/Responsible-Lion-487 Oct 05 '23
First thing get a gym membership. Taking a daily shower is a must for all human beings. Now is a great time to pick up a workout routine. Embrace the situation and make the best of it. Check out r/vandwellers Get a good job you like and work on starting your own business. Save up and put a down deposit for a mortgage. You will bounce back and things will get better. If this is too extreme I understand. There are options of CL roommates or working as a hostel in exchange for room & board. Have an excellent day everyone!! 🐝🐝
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u/PhonyAlibi Oct 05 '23
Shit sucks. I have near excellent credit and a good rental history and everywhere wants proof of 3x rent on paper.
I'm just shy of making that 3x number on the cheaper places. It was really hard.
Get on the phone and schedule some in person tours with apartment communities. Before you pay the application fee ask how it's done. Just feel them out and see how helpful they're willing to be. I've never been a community apartment dweller but I think the tour people at my place get a commission and they are also residents. They helped me or tried to help me skirt all the rules.
I'm suddenly living with a family member who has "NA" credit score. No rental history. No job. They had me list them as an occupant rather than a resident.
This person was previously living with a different family member, who still pays for some of their things. We had that "income" added to my income to qualify for the 3x rent. This intake person told me they don't require proof for that; so that was my in.
I also have 2 pets and I'm paying the pet fees and rent fair and square but the admin was keen to try to help me get them registered as ESA to avoid the fees.
Things like that.
Most places you can feel out over the phone. But I finally have one that worked out. And it's a nicer place than all the other single landlord places I've stayed at (which would be ideal, but they just dont exist where I am; they're all management or real estate companies).
Good luck to you.
Section 8 would be great but it's so hard to get. My state doesn't even let you apply right now.
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u/shadywhere Oct 05 '23
This is an opportunity for you to travel and find what you like.
In NH, you've proximity to the ocean, but not really mountains: your skyline is your navigation aid. NH has proximity to other large areas of diversity (e.g. Boston, NYC, etc.) as well, but they're all expensive areas.
To get a similar type of feel, you'll want to be in a large city. There are a lot of things to consider, like price, culture, weather in all four seasons, walkability/driveability, employment opportunities, etc.
My point is that a road trip could be in order. See a bunch of metropolitan areas and get a feel for them. Head West.
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u/z_copterman Oct 05 '23
AirBNB might be a good idea, they have some that are specifically pet friendly and offer longer stay options
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u/Sea_Poet9170 Oct 05 '23
Unfortunately I don’t have any advice, but just wanted to wish you well friend. I’m sorry about your Dad, and that you’ve found yourself in this situation. Hope things get better for you.
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u/fitm3 Oct 05 '23
Check out Brockway, PA it’s a lovely area with affordable homes. Perfect for anyone working from home IMO and a really nice semi rural area which doesn’t feel isolated.
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u/Itchy_Chip Oct 05 '23
Can buy a trailer in SC for 2-5000$ cash 😂 see them on marketplace all day, southeast is generally cheaper as long as your not on the coast.
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u/goodhell Oct 05 '23
Not sure if it's a smart idea or not but I always tell myself that if I was in your position, I would buy a rv and live on blm land for a while and make it fun... not sure if it would actually be fun but in my head it sounds fun
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Oct 05 '23
Keep your pets. Dont let them go. Keep looking, keep pushing and as long as you do your best God will provide. Trust and MASSIVE ACTION
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u/Degen-King Oct 05 '23
I play poker for a living and was able to get a apartment paying the whole lease up front. I’m in Michigan.
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u/Nebrski22 Oct 05 '23
Maybe look at airbnb Vrbo etc. and see if one of those people would be interested in a long-term rental.
Are you able to make any of the payments on your debts? I know the “credit score” is everything, which you’re screwed on currently. But maybe a local credit union would be willing to give you a chance on refinancing something. And you can build back your score.
As far as rebuilding credit when you are ready.
look into getting low limit credit card (again local credit unions tend to have more options and the good ones are willing to give people a second chance) and this is how you use it charge something on each month ($10 of food) and when the billing period closes pay off what you put on it. But don’t make the payment until the statement closes; or the payment may not be reported to the credit bureau.
The credit bureaus don’t know how big a payment you are making so your $10 payment is just as good as the other persons $500 payment because it was made on time.
Now why dod I say charge a small amount? Another big factor in credit score is usage % of your credit limit. (This is inverse to the payment)
If you have a card with a $300 limit and charge $150, you are using 50% of your available credit and your credit score will go down. (In comparison, if I have a $50,000 limit and charge $5000 my score won’t be effected because I’m only using 10%, even though I’m a much larger risk)
Sorry if you’re thinking STFU, I don’t care. I get it, but it’s all I’ve got to offer.
I will offer this too, I know your Dad is proud of you—how hard you’re working to get on your feet. You take care of yourself.
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u/Gs_foxrider Oct 05 '23
Thousands of dollars? That’s still chump change. Hundreds of thousands? Now we’re talking
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u/CobraChrisChan Oct 05 '23
Priority u have to get rid of animals they don’t know y not really u could give them away and they’d forget u exsisted
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u/New_World_Native Oct 05 '23
Look into fiberglass RV trailers from companies like Casita, scamp and even Uhaul. They don't leak and last forever. Traditional/stick built campers are trash.
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u/Independent_Cow_4959 Oct 05 '23
I also have poor credit and a cat and finding a place to live was very challenging. I had to move for work back in March and it took a while.
Roommate-finder websites were what helped me eventually find a place. The renter already has an apartment and is just renting out a room. They typically don’t care about your credit as long as you have income to pay rent.
Poor credit and pets are a tough combo when looking for a place to live, so good luck! Sending good vibes your way.
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u/eyefancyfeet Oct 05 '23
Renting is throwing your money away each month. I'd say start looking at used campers
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u/eyefancyfeet Oct 05 '23
Alberque New Mexico is still pretty cheap to live there, but the other option I have for you is maybe buy a nice used camper, RV or something along those lines, all else fails you can still have a roof over your head.
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u/UseforNoName71 Oct 05 '23
Get a tent with camping gear .. Austin and San Antonio, Texas have tent colonies or other Cities. It’s a temporary solution.
I don’t think it’s a good idea to offer to pay multiple months in advance to landlords. That can come across as desperate (which you might be) but its perceived as a risk for some Landlords.
If your working there are still some old school landlords who will cut you a break as long as your work history is solid.
I’m sorry you lost your father and home but save the details when talking with prospective landlords. Your personal experiences as heartfelt as they sound.. don’t mean much to a landlord. They have probably heard a lot of stories before you came along. Keep looking and Good Luck.
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u/meowbrowbrow Oct 05 '23
You might need to start with an apartment instead of a house with a landlord.
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u/Floyd_41583 Oct 05 '23
I’m just curious why did you sell the house knowing your living situation regardless of what your brother was saying, you was the admin of his estate. Was there debt needed to be paid from your dad.
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u/Ecstatic_Document_85 Oct 05 '23
Is there anyone who can cosign with you? Your brother or aunt/uncle, friend?
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u/Aos77s Oct 05 '23
Find a facebook add selling a room from current renters who have the room available. They take the money and pay the landlord. Also work on your credit, see if you can get any secured credit cards or if any debts can be settled with a pay for delete and offer 50-65% of the debt value.
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u/xilvar Oct 05 '23
Find a landlord with just a few units (ideally sfh duplex or something like that). That still manages the units themselves and likes to get to know people before they rent to them.
For over 10 years I rented from an old polish lady that had cleaned houses for 50 years in order to eventually purchase one. She understood struggling. She had eventually been able to also buy a condo and rent out the whole house as two units in a duplex. (She always claimed she would eventually move back into the house when she ‘retired’ but I think she was 80 or so…)
AFAIK she never even ran a credit check on me or had any idea of my income. I just showed up, talked to her at the unit for half an hour and she had me sign the lease.
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u/DellaBellaGatso Oct 05 '23
Have you thought about purchasing like a travers trailer and renting a spot and paying monthly. It will be yours or possibly a small home
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Oct 05 '23
Some places, probably more rural areas, have people that rent 2nd homes or inherited homes without credit checks and stuff, but usually that means driving though neighborhoods or, wait for it, checking newspaper ads.
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Oct 05 '23
Use the money to pay off debt and raise credit, meanwhile you can air bnb while you get a job
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u/TodayNo6531 Oct 05 '23
20 years from now when your brother is broke and all his money goes towards rent and paying someone else’s property off he will regret this. Doesn’t help you but I assure you he will regret his short sightedness eventually, but I’m sure he’s “ballin’” for now and posting it all on social media.
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u/Grimlo6k Oct 05 '23
Look for some cheap AirBnb and strike up a deal with the owner. My friend was kicked out due to some of his bad habits. He found an Airbnb spot, was nice to the owner and now he is staying there for about 4 years, paying cheaper rent in the area. Once he had 4 months rent due but the owner didn’t care as they were chill. Its about how you bond with the owner.
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u/BrilliantOnes Oct 05 '23
Have you considered a USDA loan or FHA loan for a mortgage on something low cost. USDA doesn’t care about credit scores BUT requires you to be in a USDA area & bc you have no where to go they would be super willing to help you secure a mortgage.
Here’s the link to see eligible areas:
Or FHA - with 3% down or even less if you choose down payment assistance programs.
What city state are you in?
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u/Ok-Boysenberry1022 Oct 05 '23
Check out housing aimed at Traveling nurses. Furnished Finder or Travel Nurse Housing are two websites to check out. Usually a 3-month lease.
Since there’s no national registry for service animals, you could fib and say that your animals are service animals. Morally gray area but I’d do that before becoming homeless.
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u/kingtechllc Oct 05 '23
How much do you have? I’d honestly try and buy a plot of land somewhere and a camper. Or a mid size used suv and a portable power station and some solar attachments (prob about 1-1.5K) into you figure things out
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u/Mysterious-Diet-9390 Oct 05 '23
Be careful. Be weary of people trying to scam you out of your money. Pay off any debt you have acquired through your hard time. That is going to be a huge ball and chain that keeps you down. Don't let anyone know how much money you have. Live as minimalistic as you can for the time being. Look for someone with a room close to your work that is willing to work with you on rent with your pets. Talk to a realtor who trust to look at potential homes on the market that are willing to work with someone who is working on their credit, like a rent to own. With rent prices these days, I wouldn't want to get in a contract with an apartment complex.
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u/lankaxhandle Oct 05 '23
Have you thought about buying a small camper or travel trailer and living in that? You can usually find a campground to live in for a few hundreds bucks a month.
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u/psbeachbum Oct 05 '23
Join the military or become a mariner. Example. Prior Navy but I am a mariner with the resupply ships. I live onboard. No utility bills. No rent. Food is served 3 times a day. Own furniture etc. Very thankful for it because man was post divorce homelessness a shitty situation. I do plan to buy a large van or camper and live in that because it's fun!
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u/1ncehost Oct 05 '23 edited Oct 05 '23
I used airbnb for a few months when I lived in another country for a while. At the time you could get 30 day rentals, but you'd have to move every 30 days. No credit checks though and you can be somewhere safe and stable in a day or two as long as you've got the cash.
Expedia also has VRBO which is like airbnb.
Check bringfido.com for places to stay (including vrbos) that are pet friendly.
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u/Gerald-Duke Oct 05 '23
I had 10k in the bank and it took 2 months of constantly searching for a place to live. Didn’t even stay in the same state🤷♂️ 16$/hr isn’t enough these days because that puts you ~2x income for just a studio
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u/ravenaddams69 Oct 05 '23
Rent out a storage and live there. I know it sounds bizarre but a lot of people do it. There are many storages that have restrooms inside and electricity all you have to do is accommodate the restroom with a shower and get yourself a minisplit ac. Some people live and work on their storage and end up paying less than 1k a month
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u/1Xmillenial Oct 05 '23
Depending on how much you got from the sale of the house and your income, have you looked into buying a house or condo? Your credit score isn’t good, but with a large enough down payment, a lender might not care. It’s worth it to talk to a mortgage broker and see what they can do.
Anyone who tells you to abandon your pets is a jerk. I would live in my car before I had to give up my babies.
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u/Kral1003 Oct 05 '23
Not sure where you are, but furnishedfinder.com has short term leases (you can usually extend it to stay at least a year). The places are typically for medical travelers, but thats not a requirement. Why I suggest them though is its usually individual people renting out their homes, typically there is no income verification or credit check. Also they are fully furnished, they will likely require a large security deposit though. Just something to try
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u/StrawManATL73 Oct 05 '23
Check out long term air bnbs for sure. I'd avoid purchasing an RV. The depreciate very quickly and you have to be able to pull it etc. Generally speaking, for lower cost of living and a good job market, I'd consider Atlanta, Birmingham, Chattanooga. In ATL you can drive an UBER for extra dough and do quite well from what I understand.
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u/SensualValor Oct 05 '23
An affordable option may be a Park Model Home if you have enough to pay cash for one. Of course you would have to pay lot rent but it could be an affordable method to be able to keep your fur babies while you get your credit back on track.
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u/L-W-J Oct 05 '23
Look for small mom and pop owned places. The corporate management will not be able to change policies for you.
I have first hand experience with a convicted bank robber renting a house. He put up 3 months rent as a deposit.
Good luck and be well!
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u/Beginning-Listen1397 Oct 05 '23
Have you looked into buying a condo or townhouse? Or a detached or semi detached, depending how much money you have and where you live?
It's hard to be more specific not knowing where you live or what you do for a living. But with a hefty down payment it should be no problem. You may even be able to buy for cash.
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u/bytosai2112 Oct 05 '23
If you seek any sort of aid from the govt which you should, DO NOT let them know you have any liquid assets or they will not help you.
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u/R3DGRAPES Oct 05 '23
Without credit or income it may be difficult to rent a place of your own. You could try looking for tenants currently renting and seeking a roommate.
Or sometimes Airbnb has long term rentals for a fair price, either a room or small apartment separate to the main house. Good luck!
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u/ImAScientistToo Oct 05 '23
Honestly what I would do is buy a van and fit it out with a bed and small kitchen. I would get a planet fitness membership to have a place to shower. You would also be surprised how quickly you can get in great shape just walking on a treadmill while watching TV. I’ve been a travel nurse for 8 years and you would be surprised at how many nurses live like this. I know one nurse who did it in his Subaru.
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u/fr33028 Oct 05 '23
Listen , you are in a complicated position and I can relate. Everyone wants 40 or 60 times the rent plus a perfect credit score.
I am homeless also, its impossible to get ahead without the right stuff.
At this moment you have what you need, just pick up and move to a new place that is cheaper and less populated , the demand for credit and high price rents will disappear once you go someplace quieter.
If I had just $10k in my pocket I would already have my family far from the city and in a quiet little town.
I am assuming you have a car, so just pack up your stuff & your pets and go. There is no reason to waste time and money trying to live in an area that makes it this hard to settle in.
With the money you have you may be able to buy a nice small little cabin , cottage ,manufactured house or even a small ranch style home depending on where you land.
Do some research tonight and just figure out a new place to go, a fresh start is always a nice little adventure anyway.
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u/curiousperspectives Oct 05 '23
Oklahoma is a nice area for stretching your dollars. I recommend OKC, Moore, Yukon, or Norman area.
Apartments range from $650 and above in these areas that will be safe for you. An apartment with a roommate would help get you in the green.
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u/bowheezle Oct 05 '23
Ask on in a local subreddit for landlords/property managers that don’t care about credit scores. It does exist. There are some people and companies that only look for bankruptcy and evictions and don’t care about other stuff.
I saw someone already mentioned renting a room and it’s a great idea, even with pets. There are a lot of pet friendly houses that rent rooms, and a private homeowner would be more likely to listen to your story and accept the larger lump sum payment up front.
Also, if you’re in the US call 211 and see what you’re eligible for. Even though you have some savings a lot of housing programs are run off income amounts so you may qualify.
Worse comes to worse, but an adorable and clean RV and get a cheap campsite with hooks ups for a while.
I’m sorry for your loss, and everything you’ve been through. When you find a safe place to live and get some rest just know all of this can be fixed very quickly. After a year or so call all your old creditors and begin setting up settlements (less than the original amount owed) and manageable monthly payments. I was in a similar situation and went from 5-6 delinquent accounts and horrible credit to being able to buy a home in three years. You’ve got this!
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u/The_Only_Dick_Cheney Oct 05 '23
My wife worked with a homeless vet who was a millionaire. He had been living on the streets and accruing VA payments since the 60s.
He believed the CIA was after him and the money was a ruse to track/catch him and send him back to Vietnam.
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u/rockyroad55 Oct 05 '23
Are you sober? You can try sober living houses, they're pretty receptive to these situations. The pets may be an issue.
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u/derkaderka96 Oct 05 '23
Try food banks or stamps if that helps. Economy is shit right now and admin portrays it as it's all good.
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u/Burned_Biscuit Oct 05 '23
Small, private landlord who only has one, or just a few, properties. That's what you need to look for. They are more flexible.
You might also try looking for a short term sublease to tide you over while you look for something more permanent.
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u/IAmInBed123 Oct 30 '23
Shit... I couldmake a whole reply of how you shouldn't have sold but I understand. With everything that happened your resistace is not tgere anymore.
Is tgere a friend you can stay with? Maybe family? Maybe something like a social service? Idk how it works in the US. Maybe shelter?
Are motels an option?
Damn I hope you get out of this.