Below are a few frequently asked questions. Hopefully this helps explain any concerns you might have. As always please contact us with any other questions you may have.
Q. What if I haven’t been at my job for a year?
Generally we are looking for solid and consistent work history for each applicant. We need to know that you can and will be able to make your monthly obligations. Gaps in employment may require us to request an additional month’s rent or additional deposit. We will always do our best to work with each Applicant to locate a solution for housing.
Q. Do you accept Section 8?
HUD, Section 8 programs are a volunteer program on behalf of the property owner. Some owners have been approved and participate, however that varies from one owner to another. Unfortunately many homes in our portfolio do not accept section 8.
Q. Do you have any pet restrictions?
Most insurance carriers have restricted breeds, Pit Bulls, Rottweiler’s & Dobermans, outlined in the policy; therefore we restrict these breeds as well, with the exception of a service animal.
Q. What if my credit isn’t so good?
First and foremost, be upfront about your credit issues. We will review what the credit bureau reports with an open mind, as well as look at each situation on a case-by-case basis. We do have certain requirements for renting one of our properties and if you have certain issues such as a previous eviction we will probably have a problem approving your application.
Q. If my credit is less the ideal, can I get a cosigner?
Each property owner has their own requirements, but most do accept a cosigner if needed. We may see a good credit report, but it lacks certain required items such as length on the job or no credit at all, in order to overcome these potential concerns we may be able to approve you based on your cosigners credit worthiness.
Q. What is the fee to run the application?
We charge a $41.00 processing fee, for anyone 18 and over that will be residing in the home. We run the credit report, verify employment and verify rental history through written communication, it can be a time consuming process and slow response can delay our decision a day or possibly two from the time the application is submitted.
Q. What if I have an eviction?
Unfortunately evictions are a problem when applying with FBS. We can discuss your individual case further but in most cases we will decline the application.
Q. What if I have a bankruptcy?
A bankruptcy can have a negative aspect and a positive aspect. Obviously you had to file due to a shortcoming on your obligations and that is of concern, however it also can be a positive since all of your obligations have been satisfied through the bankruptcy court, leaving you with an ability to pay the rent.
Q. I am not from San Diego and I really like this home you are advertising. Can you tell me about the neighborhood, is it safe? Are there children nearby? I’m looking for a church to attend, what can you tell me?
We know that it is difficult to move to a new neighborhood. It is natural to have questions. Many questions we can answer definitively; others not so much. How safe is the neighborhood, is one of the most common questions we are asked. As real estate professionals we cannot offer our personal opinions as it might be misconstrued as a professional endorsement. Everyone’s perception is different based upon their personal history and concerns. We abide by Fair Housing Laws which dictate some restrictions about the questions we address with one but not with all. Instead, we are pleased to share some public resources that can help EVERYONE make an informed decision according to their personal preferences: