How to Rent with Bad Credit (Yes, It’s Possible!)

Tips from Clark Real Estate – Reno & Sparks Property Experts
If you’ve got a low credit score, renting a home can feel intimidating—but don’t panic. You’re not alone, and more importantly, you’re not out of options.

At Clark Real Estate, we understand that life happens. Whether your credit took a hit from unexpected bills, a rough patch, or starting over, we believe people deserve the chance to move forward. Here's what you need to know about renting with less-than-perfect credit—and how to increase your chances of landing the keys to your next home.

✅ 1. Be Honest About Your Credit Up Front
Landlords and property managers will run a credit check—it’s part of the process. But don’t wait for it to catch them off guard. Address it head-on in your application or conversation. A short, honest explanation shows responsibility and can actually work in your favor.

Pro tip: If your credit score dipped due to medical debt or divorce, say so. It helps paint a more complete picture.

✅ 2. Show Proof of Income (and Stability)
A strong income can help offset credit concerns. Provide recent pay stubs, bank statements, or job offer letters to prove you can comfortably afford the rent. If you’ve held a job for a while or recently started a higher-paying role, highlight that stability.

✅ 3. Offer a Larger Security Deposit or Prepay Rent
Money talks. If you’re able, offer a larger deposit or multiple months of rent upfront. This reduces the risk for the property owner and may help you stand out against other applicants.

✅ 4. Provide Strong References
Include personal or professional references from employers, past landlords, or roommates. A glowing letter from someone who can vouch for your character and responsibility can carry real weight.

✅ 5. Apply with a Co-Signer or Guarantor
If someone with good credit (like a parent, sibling, or trusted friend) is willing to co-sign your lease, it might be the boost your application needs. A co-signer agrees to cover the rent if you can’t—giving property managers peace of mind.

✅ 6. Highlight a Positive Rental History
If you've consistently paid rent on time—even if your credit isn’t perfect—make sure to mention it. A proven track record as a good tenant is often more important than a credit score alone.

✅ 7. Work with a Property Management Team That Gets It
Some landlords are rigid. Others—like our team at Clark Real Estate—understand that people are more than numbers. We work with a variety of applicants and aim to place the right people in the right homes.

Our advice? Communicate early, be honest, and come prepared. You’ve got this—and we’re here to help.

Need help finding a rental in Reno or Sparks?
Reach out today—we’d love to work with you, no matter your credit score.