Renting an Apartment in the USA: Guide for Newcomers

# Renting an Apartment in the USA ## What Landlords Require - Credit check (difficult for newcomers — see tips below) - Proof of income (pay stubs, employment letter, bank statements) - Photo ID - Application fee ($30-75, non-refundable) ## No Credit History? Options: 1. Offer a larger security deposit (2-3 months instead of 1) 2. Find a co-signer with established credit 3. Show proof of savings (6+ months of rent in your bank account) 4. Look for private landlords (often more flexible than management companies) 5. Start in Russian-speaking neighborhoods where landlords understand your situation ## Typical Costs - First month's rent - Last month's rent (sometimes) - Security deposit (usually 1 month) - Broker's fee (in NYC: up to 15% of annual rent) ## Your Rights - Landlord must maintain habitable conditions - Cannot discriminate based on national origin - Must return security deposit (minus damages) when you move out - Must give proper notice before entering your apartment