RENT FAST/NO SECURITY DEPOSIT? - Posted by BOBC(MD)

Posted by Frank Chin on January 10, 2011 at 09:08:46:

Ryan:

I go through the classifieds, and in the beginning, I called rental agents posing as a renter describing a place I want, basically, describing my place, and ask them if they have anything for rent in that area, and for how much.

Rent also vary by towns due to the quality of school districts.

As an example, in the last vacancy, I did the research and determined the market rent for my 3BR SFH should be $2,000/month with the tenant paying the utilities. Some landlords for comparable properties charge a bit more, about $2,100, and a few gone as low as $1,850.00 I since found the cheaper ones are where the owners does no cleanup or repairs.

So 10% off of $2,000 comes to $1,800. Then just for good measure, I made it $1,775. When I first did rentals, I found rental agents and tenants talk about rentals in the $1,600’s, $1,700’s etc., and the $25.00 diff puts me in a separate section of their book altogether.

Also, at the time, top of the line 3BR apartments were going for $1,675, with one parking spot and NO back yard. For $1,775, they have a driveway for 4 cars, PLUS another 6 being a corner property on the street, and a storage shed, etc. etc.

As an example, I once rented out a 1BR unit for $480, as the cheapest units around was $500, and I was the only one listed in the $400/section, and I practically got every renter in the whole county calling about it. The funny part was as I was signing the lease in the broker’s office, someone ran into the office, breathless, shouting, “is the $480 apt still available”?? The agent pointed to me and said “NO, the owner is signing the lease right now with the renter”. You should’ve seen the look on the guy’s face. Then the broker said to him, “at this price, you should’ve rushed in the day before yesterday”.

So, the $20 off did wonders.

In fact, I’m even ahead of the game doing 10% off. In the $2,000 rental that I did for $1,775, most renters wanted to give their landlords 30 days notice, so I would have been stuck waiting another 30 to 60 days, depending on how their leases are written.

Here it was around May 5, and my top prospect asked if he can do it as of June 30 as his lease went by months, and if he gave notice, the landlord would only let him off June 30. I looked at him, shook my head and said, “at this rent, I’m afraid this place would be gone by tomorrow”. He asked if he can check with his landlord tonite to see what can be done, and he wanted to pay me a few dollars to hold the place.

I said “NO, at this price, I’m not taking any deposits, why would I want to tie myself up”, but I added I won’t be deciding to later on tonite.

So he called me back later that night to say that his landlord let him out of his lease, after some begging, so he can rent my place IMMEDIATELY.

Had I rented the place at market price, I would’ve had to wait another month or more. Yes, some people need a place right away, but I’ve been around long enough to know these are usually folks being evicted, and landlords couldn’t wait to give a good reference to get rid of them.

I rather hear people tell me they try to treat their landlords right. And I also found that by REFUSING deposits, I’m NOT BS’ing about the place being gone by tonite.

RENT FAST/NO SECURITY DEPOSIT? - Posted by BOBC(MD)

Posted by BOBC(MD) on January 08, 2011 at 14:59:13:

From a purely financial angle does it make sense to charge a security deposit if it takes you longer than a month to rent your property?

I have several row home properties very nicely renovated that rent for $1350 a month. This is top of the market for the area and it usually takes quite a bit of screening to find a qualified market rate tenant who meets all my requirements. I always get tons of call from Section 8 renters also but they are usually short on the security deposit.

Using the same screening criteria for everyone excepting the income for Section 8’ers, it usually takes a minimum 45-60 days from application to move someone in.

If my place rents for $1350 and I can potentially rent it in less than 30 days advertising no security deposit isnt that the same as waiting the extra month and losing the potential rent while also having to carry the mortgage.

I guess you would also have to consider the back end costs when a tenant moves out. I have had only a handful of tenant get back all of their security deposits as most have left some sort of damages or back rent and fees.

Vacancy has certainly been much higher than the 5% I originally figured in my income projections and its lost money I will never get back.

So who rents with $0 security deposit or a very reduced security deposit compared to the rent and how well has it worked to get you rented up faster. How can you minimize back end issues when tenant leaves.

Re: RENT FAST/NO SECURITY DEPOSIT? - Posted by Beachbum

Posted by Beachbum on January 09, 2011 at 20:28:47:

There are several points to consider-

  1. What are the legal costs to file and follow through with an eviction?
  2. How long, worst case, will an eviction take? (I would rather lose a month up front, with no damages, vs. 2 - 3 months at the end with damages and filth.)
  3. Do you perform at least an annual inspection? (My initial rental agreement is always 6 months, and I always inspect before offering a renewal-which is NOT automatic.)
  4. How much effort do you really put in to screening? All “subsidized” tenants are not created equal. Of course, not all rental markets are either. If you end up with tenants that follow your rules, pay their portion on time, and take reasonable care of the place…That’s great. If not, what have you gained by not applying the same criteria to all? I will also point out my personal pet peeve with HAP contracts: If you complain about a tenant to the caseworker, or, if for any other reason, a tenant is terminated from the program, they WILL NOT make the tenant vacate, and now you have a tenant with no housing income, and you get to pay for an eviction if you want them out. You are on your own!

One additional point- what do your local laws allow, with regard to deposits? I can assure you not all states allow first, last, and security deposit! I know at least one that does not allow extra/or separate pet deposits; nor can you collect more than one month’s rent in advance, prior to occupancy. Great way to get jammed up, charging/collecting an illegal amount.

Re: RENT FAST/NO SECURITY DEPOSIT? - Posted by Frank Chin

Posted by Frank Chin on January 08, 2011 at 16:42:23:

Bob:

Big mistake.

Ironically, I charge 1-1/2 month security for a number of years, as opposed to charging 1 month deposit, first and last, which requires 3 months rent.

Do I really need the money for cash flow or cover damages?? Not at all because if the tenant really does damage, it runs more than the 1-1/2 months. And when a tenant runs behind on his rent, and then damage the place big time, I hardly have any security.

Having said and done this, why ask for it??

I throw out the 1-1/2 month number and see what the reaction is. If I don’t see a flinch, and hear a quick “no problem”, generally, I never run into a problem with the tenant.

If I hear a “but everyone else charges 1 month”, then I would run into tenants who is always going to be late with the rent, as he expects to pay 1 month security, and can’t swallow the extra half month.

In the past, I have worked with people who’ll pay me half the security before move-in, and then the other half the first and second month. Usually, these tenants fall behind quickly and never catches up.

How do I move my units??

I find renting 10% below market always works, followed by an apartment in “immaculate shape”, and depending on the area, means painted, cleaned, and in move in condition.

In the begining, I rent “at market”, so on the first weekend, I’ll get five people coming, but no one qualified. When I charge 10% below, I get 20 people coming with 5 qualified.

Where do these extra people come from??

I’m renting a 3BR SFH, and 10% below brings it down to slightly above a 3BR apartment, and I get all those extra people who were looking at 3BR apartments. I also get people who’s willing to drive another 15 minutes to work.

Rental rates determine how quickly I rent it, and security deposit requests, and it’s reaction gives me a clue of future performance, more accurate than FICO scores.

And I always remember this tenant.

I was enamored with a retired couple, we argued about our 1-1/2 month security, and they finally said OK. We prepared the lease, they came by, but only 1 month. Here, they violated another one of my rules: “no lying”. I told them to get lost.

I went to the 1st guy on my waiting list, but my problem with him was he had a union job that has “slow seasons” where he’s laid off, but he didn’t argue about the security, I called him up to say that my first choice bombed out, and he was the next on the waiting list. He was curious why the other person bombed out, and I explained that I expected 1-1/2 month security, they hemmed and hawed, agreed to it, then came by with only 1 month.

He said "oh, if you need the money, I’ll gladly pay you 2 months security, and honestly, I like the area well enough to pay you even 3 months. My reply to him was “I’ll have to run your credit report and see”. I did, and it came out clean.

I called him back and told him I’m going with him, and he aaksed if I wanted a check for 2 months deposit or 3 months deposit. My reply?? I only want 1-1/2 months. He was a bit shocked.

I explain that anyone who can come up with 1-1/2 month, and a clean credit report I rarely had a problem with. I’m not looking to get fat and happy on “security deposits”. And yes, he even paid the rent on the slow seasons. Guess having money in the bank helps.

So, this policy of nearly 30 years works well for me.

Re: RENT FAST/NO SECURITY DEPOSIT? - Posted by Ryan (NE)

Posted by Ryan (NE) on January 10, 2011 at 07:08:59:

These are some great ideas that are proven within the marketplace. Thanks for the great ideas Frank.

Just curious how you arrive at your 10% below market? Do you make your rents slightly below your competition or do you go the full 10% so you are noticebly lower than your competition (which in turn leads to a higher number of potential renters)?