How does an SP go about ...

[Annalise Lane]

... Renting an apartment without a civi job in Toronto ?

I haven't rented in years, as I own my place in Edmonton. When I did rent, I had a traditional job.

Any ideas please ??

 

[oil&gas]

Her landlord actually has figured it out but wouldn't care.

 

[Jeffrey93]

You need to contact a Realtor that is cool with knowing what you do, have someone write you up an employment letter, or provide tax returns, or fake pay stubs and get some references together.....

So basically, just lie ....and find someone to lie for you

 

[Occasionally]

Simple.

As some strippers have told me, they give the landlord 3-4 months of rent up front.

 

[Occasionally]

So basically, just lie ....and find someone to lie for you

I don't landlord anymore as I sold out.

But the biggest problem with landlording is how many dumb fuck tenants try to screw you over. Like many, I've had assholes not paying, cheques bouncing and such. Then you got to fill out landlord/tenant act forms and such.

No matter how innocent or cool someone looks, ALWAY check their references, call their employer etc.... Even if someone is lying (as above), if you do enough digging, you should able to find out if they are legit or a deadbeat.

No guarantee though. Someone who is legit with their paperwork can still be a deadbeat, but at least it cuts down your chances.

 

[Samranchoi]

If you plan on working out of your unit , an important thing is to choose the right building. Some buildings are more conducive to working as an SP. The biggest problem with that though is that those in the industry are continuously on top of the rental market and when a suitable unit becomes available, their real estate agent is all over it, along with numerous other prospective tenants. In terms of obtaining fake documents, that could be expensive to obtain and result in nothing. Prospective landlords will always select the most suitable tenant

Without knowing your exact circumstances, it is difficult to provide suggestions but one key document that will be required is a credit bureau. If your credit is good that will be a positive. If not, then you will probably be out of luck. On your application (and credit bureau), your most recent address will be on there and that may generate some concern and questions, especially if it is out of Province. Be sure to have your story down pat. I have been a landlord for many years and every tenant that I had paid on time and treated the property as if it was their own. That is what all landlords strive for and with today's rental market, landlords have lots of choice when selecting a tenant, especially if the unit is in a desirable building and location.

What you should do to prepare looking for a unit:

1. Determine where you want to rent and make sure the building is suitable for you to work out of
2. Select a real estate that is very familiar with the rental process. It is better if you know him/her personally or is a referral from someone that you know. You may want to tell them your circumstances
3. The income part is tricky, especially if you are moving from a different city/province. Fake documents is an alternative but be prepared that they may thoroughly check the legitimacy of the documents (letter, pay stub and NOA)
4. You may have to offer to pay more rent upfront. 3 or 4 months may not be enough. I know a few people who have actually paid 1 years rent upfront.
5. If you have a family member or very close friend that is willing to co-sign with you that may be helpful. Like Charlotte said stay away from a Client as it may turn nasty should that relationship fall apart
6. If you find a place that you like, for say $1,700/month, you may want to offer $1,750 to $1,800/month to make your offer to lease more attractive

 

[PornAddict]

... Renting an apartment without a civi job in Toronto ?

I haven't rented in years, as I own my place in Edmonton. When I did rent, I had a traditional job.

Any ideas please ??

My brother is a landlord. He rent his expensive downtown condo to student. So if the student parent don't cosign the lease .. He then ask for 6 month rent certified cheque in advance instead the usual First & Last month rent. So I guess if you paid with a certified cheque with 6 month upfront . I think most landlord would rent to you. For international student he ask 8 month in advance.

I guess as soon as you don't paid rent .. every month then landlord will start to evicted notice to evict you! let say you said a year on Jan 1, 2017. lease and you paid 6 month in advance. So the first 6 month you have to paid monthly rent then on the end of first 6 month , you decide not to renew the lease that mean on dec 31 you have to move out!

PS Say you are a student going to university and your from edmonton. And you willing to pay 6 month in advance by certified cheque!

 

[Samranchoi]

Be careful though, a landlord asking for more than first and last month's rent is breaking the law. My landlord pulled that and wanted 3 months down for being "self employed" then they refused to fix the kitchen sink that broke, I had to take them to court and make them pay for it and give me 1 months rent back and then 8 months later THEY defaulted on the mortgage and lied to me about everything being ok and renewing my lease, so I had to pay a fortune to move again. So bad landlords do happen as well, it's not just bad tenants. This was an SP asking how to get a rental in a new city being in the industry, I'm not going to condemn her having to lie about employment to secure something when she can likely pay, but telling a straight civvy you're an escort and see who will show you any kindness without extortion. It's tough. My other landlord for my work incall does not know, but he's had post dated cheques for years and never been a problem and i've never bounced a check so he has nothing to worry about financially speaking. Being a good tenant is important of course.

A landlord asking for more than first and last months rent is illegal but if the prospective tenant offers more than first and last months rent, that is OK. The landlord will need to obtain this in writing from the tenant to protect themselves. As well, when the lease is written, make sure that the clause for the rent paid is in the lease. That way, if the property owner defaults on their mortgage, the lender cannot evict the tenant until such time that the rent paid period is over.

If you are sure that you are going to be staying in Toronto, it may be a good idea to request a two year lease as opposed to one.

 

[essguy_]

Maybe I'm wrong here, but if you're going to pay with 6 certified cheques, you might as well ask if you can pay 6 months upfront and maybe get a discount. When you certify a cheque, the bank will hold the funds when they certify the cheque, so writing 6 certified cheques at once is the same as paying 6 months at once from the standpoint of the payor. Plus, you'll have to pay a fee for each cheque certified.

 

[Jasmine Raine]

Maybe I'm wrong here, but if you're going to pay with 6 certified cheques, you might as well ask if you can pay 6 months upfront and maybe get a discount. When you certify a cheque, the bank will hold the funds when they certify the cheque, so writing 6 certified cheques at once is the same as paying 6 months at once from the standpoint of the payor. Plus, you'll have to pay a fee for each cheque certified.

What is the dating on the Cert. Cheque? Current date or can they be post dated?

Post dated may ensure that the cheque can be canceled if you have issues with the landlord in the future, no?

 

[essguy_]

What is the dating on the Cert. Cheque? Current date or can they be post dated?

Post dated may ensure that the cheque can be canceled if you have issues with the landlord in the future, no?

Good point. But I think there are some restrictions on cancelling a certified cheque, eg: if it's lost or stolen - the bank will wait 90 days from date of issue.

 

[Jasmine Raine]

Good point. But I think there are some restrictions on cancelling a certified cheque, eg: if it's lost or stolen - the bank will wait 90 days from date of issue.

Yes that is true. There is a wait on normal cheque for canceling. And a fee.

Money orders too. Which are a real pain to cancel.

 

[Mr Deeds]

Renting from a private owner re. condo is the easiest way. They tend not to be a thorough with credit checks and you can make a deal easier with some of them.

 

[Hiding]

Show your tax returns like anyone else who is self-employed.

If you don't file taxes, 1) you really should and 2) there are escort-friendly realtors. But really, pay your taxes. I know it sucks but it's so crucial for longer-term issues.

 

[hamermill]

My brother is a landlord. He rent his expensive downtown condo to student. So if the student parent don't cosign the lease .. He then ask for 6 month rent certified cheque in advance instead the usual First & Last month rent. So I guess if you paid with a certified cheque with 6 month upfront . I think most landlord would rent to you. For international student he ask 8 month in advance.

I guess as soon as you don't paid rent .. every month then landlord will start to evicted notice to evict you! let say you said a year on Jan 1, 2017. lease and you paid 6 month in advance. So the first 6 month you have to paid monthly rent then on the end of first 6 month , you decide not to renew the lease that mean on dec 31 you have to move out!

PS Say you are a student going to university and your from edmonton. And you willing to pay 6 month in advance by certified cheque!

It can take 6 months to evict someone, then you have to deal with a damaged unit. Your brother is lucky if he has not had to evict anyone yet.

No landlord with half a brain will rent to anyone these days without a full background check.

 

[Occasionally]

Show your tax returns like anyone else who is self-employed.

If you don't file taxes, 1) you really should and 2) there are escort-friendly realtors. But really, pay your taxes. I know it sucks but it's so crucial for longer-term issues.

I hope lots of SPs and strippers who do their job full time know that.

There's been lots of strippers I chat with who moan and complain they can't get a mortgage because they work off the grid. Or they don't want to put stripping as a job..... not even sure if banks even care or allow that.

They probably got piles of cash lying around, but no formal tax history. Sometimes my buds and I even suggest, just get a shitty admin job anywhere so you can get a T4, but most of them prefer to pile up the cash and blow their money on great cars, rent and drugs.

Let's face it, not the type of job to brag about, but geez..... with so much cash, set yourself up for success, score a mortgage and pay it down fast with buckets of cash.

 

[rhuarc29]

Back in my university days, I was never asked for references or my place of employment. Just first and last. I suppose they could have done a credit check on me, but I don't believe they did. Is this something that's frequent nowadays?

 

[Annalise Lane]

Renting from a private owner re. condo is the easiest way. They tend not to be a thorough with credit checks and you can make a deal easier with some of them.

Great idea

Show your tax returns like anyone else who is self-employed.

If you don't file taxes, 1) you really should and 2) there are escort-friendly realtors. But really, pay your taxes. I know it sucks but it's so crucial for longer-term issues.

lol thank you and yes I do, I own a home already.

I hope lots of SPs and strippers who do their job full time know that.

There's been lots of strippers I chat with who moan and complain they can't get a mortgage because they work off the grid. Or they don't want to put stripping as a job..... not even sure if banks even care or allow that.

They probably got piles of cash lying around, but no formal tax history. Sometimes my buds and I even suggest, just get a shitty admin job anywhere so you can get a T4, but most of them prefer to pile up the cash and blow their money on great cars, rent and drugs.

Let's face it, not the type of job to brag about, but geez..... with so much cash, set yourself up for success, score a mortgage and pay it down fast with buckets of cash.

There's no need to find a regular job on the side.

I'm self-employed and file my taxes myself. I never specified what I did for a living. Of course I declare a few work expenses, to pay a bit less, but I never had them ask for more details as to what were these expenses, and I wouldn't care if they did, as I keep all my receipts.

I don't think the government cares what you do for a living, as long as you declare your income and pay your taxes.

A drug dealer could declare his income, pay his taxes, work on his credit and get a house... Declare and pay, that's all it takes.

Setting up a business license in any discipline at the municipality you live is all it takes. Do your taxes, keep your cc under 30%, pay bi-monthly and your credit score will never dip lower then 750.

HMMMM maybe I already know how to do this. Toronto is just so intimidating for this country girl.