Some armchair rental lawyers in this thread.
You do have to be a lawyer to afford a chair with arms these days.
Hang on there scrooge mcduck we don’t even have chairs now
- Sent from my Orange Crate
Orange crate?! Luxury! I’ve just got a hole in the dirt to sit in!
No one going to bring up the fact that adobe is an anagram of abode?
They got their abode with adobe! This is no coincidence! I’m inclined to say this goes all the way to the top!
I recently read about an Adobe alternative called abode
Meanwhile in the Czech Republic…
Hi, is it still available? Yes. When I can move in? Tommorow. Thx, see you tomorrow then.
How much is the rent? 50 square m?
I can’t speak for the whole country, but renting in the places I’ve lived in the USA has been scarcely more complicated than that.
Step 1: File articles of incorporation for an LLC. Step 2: Open bank account for your new business. Step 3: Write checks to yourself from said business. Step 4: Tell future landlord that you’re “self employed.” Step 5: File dissolution of LLC -or- make sure to pay any annual franchise taxes, depending on your state, if you decide to keep it active.
oh yeah landlords love to rent to self employed people.
You don’t need adobe.
F12, and modify the html.
Slap a few extra zeroes and take a screenshot.
Didn’t work. It made my bank balance 00000 instead of 0.
Try 9s instead
Done. Now I can show them $-99917000
Me changing my checking account balance from -$14.33 to -$140000.33
Nah, no need for Adobe. Just use https://photopea.com
For whatever reason the nested comments aren’t loading but I’d think twice about uploading my bank statements or anything personal to an online photo editor.
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People downvoted you because your sarcasm is too subtle
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Photoshop is an Adobe product. They never said anything about Acrobat.
GIMP is a good free offline alternative
I don’t known, I feel like Photoshop subscription is at this point like rent in NY.
You can use the same trick in job applications.
If they didn’t check themselves, they didn’t really care in the first place.
This is how I spent 8 years working as Bill Gates.
I’m guessing her rent is double my mortgage, if not higher.
Rent often is. But since renting doesn’t build credit, lots of us can’t “afford” a house even though we’d actually be saving money paying a mortgage instead of rent.
yeah a 1 bedroom apartment here is a couple hundred more than my mortgage is per month, so i’m sure NYC would be double or triple.
Renting is fucked. Some people probably know about this site but just fyi https://ratethelandlord.org/
Lol that place is something else
“Written Review WORST FUCKER AND PROPERTY MANAGER IN NW CALGARY. SHE IS A WHORE AND ASSHOLE LADY WHO FUCKS TANANT’S SOUL”
Nah that’s just your average landlord
… 4 stars.
I’m all in to say that the situation to get an appartement is out of control but isn’t that fraud / counterfeit?
I think rent prices are out of control but it seems reasonable for a landlord to verify that you can afford the rent.
How do you reconcile those two points though? if rent prices are out of control why is it still reasonable for a landlord to verify affordability? to me it seems they’re contributing to the unaffordability (assuming) and then imposing that the tenant then meets this fabricated requirement.
It depends, in Spain there’s a thing called Seguro de Alquiler, (Rental insurance? Not sure the specific name of this service in the US). If the landlord offers a place for rent and has a rental insurance involved, giving them false documents could get you in trouble because of contracts and stuff. But, if the rental is done through a Real State Agency and the realtor (or directly through the lanlord) just asked for it to see but no mention of it in the contract then I think you could get away with it
it is FUCKING INSANE that apartments get to ask for all sorts of invasive shit like this and that’s just fine. yeah god forbid you take on any risk, we’re only committing to fucking thousands a month, fuck you.
It’s hard to evict shitty tenants if they don’t cough up rent. So they are very picky about who they rent to because there’s so many good tenants in line behind the shitty ones. Pretty simple explanation really.
Nowadays too they often require renter’s insurance so they can get money from the insurance company if you leave too many peasant droppings on the floor during your stay.
Naw, tenants insurance is entirely reasonable in my book. That’s not meant for small things. That’s meant for huge disasters like if you cause a fire that burns down the entire building. The liability insurance is the only part they usually care about. Fortunately, it’s usually relatively cheap, too.
If you didn’t have insurance, they’d just need more insurance themselves and they’ll pass that buck on to you. At least with renters insurance, you can get some coverage for your personal belongings, too.
I don’t think so, when the water line broke in my apartment, my renters only covered my stuff. That’s what they have insurance for
I’ve got a friend who’s apartment got burned out due to a fire beneath them. She didn’t have renters insurance which has made the whole debacle an even bigger pain in the ass than it needed to be. If she’d had insurance her insurance company would have handled everything, instead she had to fight with the person who caused the fire’s insurance herself. She’s picked it up since then and is paying about $30/month.
Renters insurance is so damn cheap every renter should have it. And for a few extra dollars add on a personal articles policy so if shot gets stolen it’s covered. I had two $2k bikes stolen from an old apartment and insurance paid out full replacement value on them with no issue and I got a nice upgrade.
If you didn’t have insurance, they’d just need more insurance themselves and they’ll pass that buck on to you.
I honestly think they should be prevented from just transparently passing every single cost of ownership (as well as most of their responsibilities) onto renters, but I’m also American so I understand what you’re saying here.
I’m curious how you think business works? Like what do you think businesses do, besides passing costs to customers? If they didn’t price their expenses into their products/services the business wouldn’t survive. Preventing them from doing so is just…childishly naive…
It’s true that they have to make more in profit than expenses, but margins aren’t set in stone, except in this country where everyone thinks that not only does already work that way, but that it should.
In a reasonably regulated industry additional costs may have to be absorbed out of the business’s margin instead of immediately being passed onto the customers.
The margins are fucking fat in this country, but that won’t stop them from passing every single additional cost onto you again instead of adjusting their margin.
EDIT: And all of this leaves out the discussion of not only every cost being passed directly onto you, but the responsibilities as well.
The margins are fucking fat in this country
Do you have data supporting this? I took a few minutes to select a few ginormous American megacorps in various industries and asked chatgpt to help select the best non-US analogs to compare to. Then I pulled up their financial statements and compared some key ratios over a few years: net income / net revenue (profit margin), net income / net equity (return on equity), and net income / total assets (return on assets).
I looked at Verizon and Vodafone, and then GM and Toyota, before I decided to actually do some real work on this and put some real data together. My results were inconclusive: verizon is kicking vodafone’s ass, but then again telecom is absolutely fucked in this country so no big surprise there. GM and toyota split the metrics pretty evenly; one better in one area, the other better somewhere else.
So I’m not convinced yet profit margins are abnormally fat in this country compared to international business. It’ll take a lot of data points from a lot of companies over a lot of years to really get a satisfactory picture of whether your point is truly accurate.
I took a few minutes to select a few ginormous American megacorps in various industries and asked chatgpt to help select the best non-US analogs to compare to.
LOL
I looked at Verizon and Vodafone, and then GM and Toyota, before I decided to actually do some real work on this and put some real data together. My results were inconclusive: verizon is kicking vodafone’s ass, but then again telecom is absolutely fucked in this country so no big surprise there. GM and toyota split the metrics pretty evenly; one better in one area, the other better somewhere else.
What the fuck does any of this have to do with the margins in rental apartments?
So I’m not convinced yet profit margins are abnormally fat in this country compared to international business. It’ll take a lot of data points from a lot of companies over a lot of years to really get a satisfactory picture of whether your point is truly accurate.
There’s hardly a more friendly business environment to stage your multi-national from than the United States…and that’s not only because we have people like yourself trying to thoroughly research how good they have it in order to prove a boot-licking point to some random stranger on the Internet, but also because here, unlike in all other countries, if you don’t like the regulatory environment you can quickly and easily buy yourself a congressman (or two)…oh and you can just send any manufacturing costs such as labor out of the country.
I think you’re missing the forest for the weeds here truly. I’m talking about a specific area and you’re trying to extrapolate it to the entirety of the world. I’m sure that there are some industries where the margins in the US are a bit thinner than they are elsewhere (especially when it’s not possible to move your labor too far from your business such as in retail), but what’s truly unique is how defeated and broken and used to giving it up to business we are in this country. Or to add one of my favorite Vonnegut quotes for color:
semi-related Vonnegut quote
America is the wealthiest nation on Earth, but its people are mainly poor, and poor Americans are urged to hate themselves. To quote the American humorist Kin Hubbard, ‘It ain’t no disgrace to be poor, but it might as well be.’ It is in fact a crime for an American to be poor, even though America is a nation of poor. Every other nation has folk traditions of men who were poor but extremely wise and virtuous, and therefore more estimable than anyone with power and gold. No such tales are told by the American poor. They mock themselves and glorify their betters. The meanest eating or drinking establishment, owned by a man who is himself poor, is very likely to have a sign on its wall asking this cruel question: ‘if you’re so smart, why ain’t you rich?’ There will also be an American flag no larger than a child’s hand – glued to a lollipop stick and flying from the cash register.
On the specific point about rental rates and margin, and I’ll go even more specific into the locality…there’s scarcely a better margin business than taking a large complex full of 550 SQ FT apartments in southern california and charging an ever increasing amount of rent, pet rent, shit fees, and requiring more and more other things from renters every year (deposits, pet deposits, etc.).
California, “liberal” state that it is, managed to pass a huge restriction on this though…you can’t raise someone’s rent more than 10% year-over-year without giving the renter in the unit 90 days notice much to the horror of the landlord class who roused every rabble they could in protest.
Another thing they’ll do is say “oh no, you don’t need renters insurance, we provide you with renters insurance and build it into the price of rent.” And then you read through the lease to see what exactly their “insurance” covers and it’s basically nothing, so you have to get your own anyways, essentially paying for it twice.
Or if you flush a bag of concrete down the loo. People do that. People might be justified.
Or burn your apartment down (Christmas lights, for example), which you would be on the hook for without insurance. It also covers your stuff if you get robbed. I personally think that it is indespensible.
Truly insane. What’s next, your healthcare records?
I have an idea, let’s print more money and increase government spending. Surely that will decrease inflation… right?
“Delusional”, is an understatement when describing your kind that wants all kinds or free services, but complains about inflation.
You, Americans, are about to get a taste of reality soon enough. I’m watching you fall and laughing my butt off. You deserve every micro little bit of this. Keep voting for politicians that spend more money recklessly, and keep voting for more unfunded social programs, and keep exporting all industry outside of US and increasing your trade deficit, and one day your government bonds won’t be worth shit, and inflation will become hyper inflation, and all those like me will only continue laughing.
Enjoy the decline, and remember that the more you fall, the more I’m laughing in the backseat.
Now do your clown show and call me names to feel better.
and remember that the more you fall, the more I’m laughing in the backseat.
So when the car finally crashes, you’ll be right there to die alongside the people you’re laughing at? How thoughtful!
I’ll send a memo to all 350 million Americans who are unanimously making these decisions to keep it up, because a random guy on the internet thinks it’s funny.
Do you understand what the electoral college is?
There are a lot of us here that have been fighting the status quo for decades. Our failure does not seem to merit ridicule and scorn. It’s awful living through this time.
I call BS. No one is renting out to someone based solely on some picture. Unless they are subletting a 2 piece bathroom.
Smaller landlords for sure. The last 2 I had wanted a printout of my Equifax credit score, n paystubs. I don’t think they actually verified anything.
Mine did. I had to supply references of whom were called
I had to write a cover letter and pay 6 months of rent upfront too
This is Australia
Wtf leave the shit country this crazyness is a norm
A cover letter? For fucks sake, this is getting beyond ridiculous.
This is fine until she gets caught. Then it’s a fraud conviction. Nothing like getting yourself in over your head and then sent to jail to stick it to the man 🙄
How would she get caught? It’s not like she’s posting about it publicly with her name attached to it.
If youre landlord is following your social media, something in you life has gone fucking sideways.
In order for something to be fraud someone has to be defrauded. If she pays her rent there’s no crime. I doubt they’d try to get her charged with fraud for not paying her rent.
IF she pays the rent then the landlord will likely not be incentivized to do anything about it even if they find out, but still would sour the relationship. I mean, what else could the tenants be lying about?
I don’t know enough about NYC tenancy laws but I wonder if obtaining a rental through fraudulent means gives the landlord rights to break the lease, thus putting the tenants at risk of being evicted.
Have you rented from corporate landlords lately? The relationship doesn’t have a chance to be soured because it doesn’t exist. Fuck the system. It runs on fraud anyway, but once the filthy masses start playing the rich man’s game all of a sudden it’s a problem? They’re not going to look into it. You’re vastly overestimating the amount of effort these scumfucks want to put into their “business”
But wouldn’t it be worse if it’s a faceless corporate landlord you are dealing with? There is virtually no “relationship” so if they find out you obtained the lease through fraudulent means, are they not more likely to come down on you? Because you are a “high-risk” tenant and they don’t want to encourage this behavior. Just handle it through laws since it’s in their favor.
My point is, the system is rigged against renters for sure, but I don’t think there is necessarily a win here if you do this.
That’s what the second bit of my reply was about. They dgaf. They’re not going to look into it past the approval process. Think about it. If you lose your job and are no longer able to pay rent but have a month or twos’ rent saved, are they going to evict you? No, of course not. They have no way of knowing you lost your job. What if you take a new job after that that pays less than the one that qualified you for your apartment and now you technically no longer qualify. Are they going to evict you? No. They have no way of knowing unless you tell them. And even then they don’t care. If your rent is paid they don’t give a shit. They’re not going to look into it. There’s no reason to.
If you lie about how much you make to get into a place that’s beyond your means then that’s your own fault. You’re going to get evicted when you keep coming up short. They’re still not going to slap you for fraud. If you lie about your income to get into a place that’s within your means (because the income requirements for these.places are entirely arbitrary and unrealistic) then you’re going to face no repercussions because you know how to pay your bills.
Well the whole thing is contingent on the fact that you can actually pay rent. The stress test is the landlord’s way of trying to verify that, and if you are assuming you can do that above all else then sure, everything will be just peachy.
I’m not absolutely not convinced that everyone who claims they can pay rent actually could, however.
Please, show me one instance of someone in the US being arrested for fraud because they lied about their income. Show me a real world example of this “stress test” you mentioned.
The same could be said of people who meet the income requirements for any given residence. Just because someone can pay rent on paper doesn’t mean they can actually pay rent. Doubly so for credit checks. Someone with a low score isn’t necessarily in an unmanageable amount of debt and someone with a high score isn’t necessarily someone that has a manageable amount of debt.
If you’re going to commit fraud in order to secure a rental then you need to go in with the understanding that it’s important to know what you can actually afford. The same goes when you’re doing it through “legitimate” means. If you can’t pay the bills, then you lose your house. Its the same conclusion whether or not you lied about your income.
You’re not going to go to jail, they’re not going to check. And given the situation a lot of people are finding themselves in right now, it’s pretty shitty to not empathize with people who are struggling to keep a roof over their heads, appealing to “the legality” of what their doing. As if the laws and people who wrote them aren’t responsible for the fact that people have to resort to fraud in the first place.
The fact that you’re either unwilling or incapable of understanding this shows how little you think of people who are struggling to make ends meet. Your constant resistance to the idea of people doing what they need to do to acquire shelter results in you essentially saying “if you have to lie to get a roof over your head, then you just shouldn’t have a place to live”. Which is a pretty fucked up stance to take.
It’s not fraud, it’s perjury. You literally sign and agree, under threat of perjury, that your financial information is accurate.
A civil agreement between private parties cannot be under penalty of purjury. A civil penalty could be levied if it is specified in the contract, but I’ve never seen a rent contract that specified a penalty beyond the landlord having the right to break the agreement if they find out.
Generally speaking, a landlord has an incentive to keep you if you pay on time and don’t damage property, regardless what you lied about.
At least I don’t have to make 3x rent in prison
I mean yeah, but you might have to soak your bedsheets in the toilet to cool off, according to that other post I saw. Prison is barbaric as fuck.
sent to jail to stick it to the man 🙄
i don’t think “i would like to not be homeless, please” is really “sticking it to the man”
What’s the size of this jail cell vs. a 1 bedroom apartment apartment in NYC you can afford solo?
Lol
your landlord is showing.
Put that shit away, dude. There are kids around!
Might be about the same. But you can’t leave the jail cell. If you move to NYC and spend all your time in your 1 bedroom apartment you’re NYCing wrong.
That got me thinking. If spending all your time in a tiny 1BR apartment is NYC’ing wrong, would living in a hotel make sense? If you stayed at a mid-level chain like Holiday Inn Express or Hampton Inn, it’ll cost you $3000+ a month, but that already comes with daily breakfast, utilities and internet, free parking, and regular housekeeping. Some rooms might even have a small kitchen and could be bigger in total area than a 1BR apartment. The only issue is you can’t modify the interior except maybe add some furniture. But if you’re supposed to be out most of the time anyway, maybe that wouldn’t matter as much?
Ah yes, your city must be under “this” size for introverts to be allowed. I always forget about that law.
Please spend some time outside. I doubt the dude was that serious.
Introverts are not by definition antisocial though they can be. They just spend energy to be social. A shut-in is likely an introvert. An introvert doesn’t have to be a shut-in. I don’t know the mass public mistake where folks assume introverts are the same as people who don’t like social interaction. So an introvert can easily enjoy socializing in NYC and seeing people. It just uses energy.
That being said, if you’re not going to leave your apartment, choosing a place that’s super expensive due to all the things you need to leave your apartment for, you’re not making a good choice.
The guy implied that enjoying time alone at home is wrong. Introverts enjoy time alone at home. I didn’t say introverts only enjoy time alone at home, and I’m not doing this thing where I need a dozen disclaimers proving I really do know what the words I used mean every time I want to make a one-line quip.
Also why are y’all assuming she moved to NYC on purpose? Can no one just be from there originally and move from a roommate arrangement to a studio? Please lol
Extroverts also enjoy time alone at home and introverts can enjoy NYC which is the point where your claim breaks down.
And then I did address the meaning behind what they said without you literally making a nonsense conclusion.
If you want to spend time in your house alone, and you’re living in NYC, yes you are very much making a stupid choice.
You could move outside of NYC, pay half as much in rent or less, and be a shut-in all you want while still commuting in for whatever reason you had to ever go to NYC as a shut-in in the first place.
I really didn’t take that as their implication. Apartments in New York are often not that comfortable–they can be cramped and cluttered, and not even all that private thanks to thin walls and sometimes even shared bathrooms. So even an introvert with that kind of apartment tends not to spend much time in it apart from sleeping. Instead they’ll go to libraries or museums or parks or makerspaces or cafes. It’s surprisingly easy to be alone in public in New York.
I think that’s all they meant. I see how you could take their comment differently, but I think they were being sincere. Actually spending a lot of time in their tiny dismal one-room apartment with no natural light is actually a mistake that some introverts make when they first move to New York, and it’s genuinely depressing to do that.
A caveat to all this is that I’ve only spent very brief periods in New York, and I do find it overwhelming, partly for this reason. But yeah. I don’t think that person meant to condemn spending time alone; they were just saying that treating a New York apartment like a solitary confinement cell isn’t good for your mental health regardless of your socialization tendencies.
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Haha what’s a joke?
You don’t know what you’re talking about.
Lmao. Some of us take rules as suggestions (which good people still try to abide by). And, some of us are very rigid.
But hey, you get free housing and meals!
Realistically speaking this is fraud that’s extremely difficult to detect. They would have to be able to prove that the income was falsified, and income can change quite a bit over time as people get promoted, demoted, change jobs, gain/lose bonuses and incentives etc. Its like lying on your resume, it can be what gets your career kickstarted, but its also risky
