How to Get an Apartment Without a Job

Whether you’re between jobs, a student, or navigating gig work, it’s still possible to get an apartment without a “traditional job.” Regardless of your employment status, what landlords care about most is your reliability as a renter and your ability to make on-time payments. Here are a few ways to check both boxes and start paving your path toward getting an apartment without a job. 

1. Show proof of any income

If you do not have a traditional day job, landlords and property managers still need to verify that you can afford the rent. Luckily, there are other income sources you can submit, including:

• Tax returns, bank statements, or profit and loss statements from freelancing and gig work
• Benefits or assistance
• Investments, pensions, or retirement accounts
• Personal savings
• Investments or savings
• A regular stipend (such as for students or dependents)

When you provide documentation for these income sources, you are helping establish financial stability with your landlord and proving that you have a reliable way to bring in income.

2. Offer to pay more upfront

Do you have a bit of savings set aside from a gig or work you’ve done in the past? If you do, it may be worth it to use some of that money to strengthen your rental application by offering to pay a few months’ rent upfront. It is a great way to demonstrate that you’re financially prepared and minimizes the risk to the landlord or property manager. For example, paying the first three months worth of rent in advance can give the landlord extra security while also helping you stand out from other applicants. 

3. Get a co-signer or guarantor

A co-signer or a guarantor can be another option to help boost your rental application when you don’t think you’ll qualify on your own. This person, typically someone like a trusted family member or close friend, will be included on the lease agreement and share responsibility for  covering the rent if a payment is missed. Having a co-signer or guarantor also adds confidence for landlords by showing that you have additional financial support beyond what you alone can offer.

Tips for finding a reliable co-signer or guarantor

• Choose someone with a good credit score and verifiable income.
• Ask a friend or family member who you know handles financial situations responsibly. 
• Be honest with them about your financial situation.
• Ask the landlord if they have any extra requirements for co-signers or guarantors.

4. Highlight your rental history

Your previous rental history reveals a lot about your qualities as a renter. This is no time to be modest. Brag about how responsible you’ve been as a tenant — highlighting key details like how long you’ve rented, your good track record of paying rent on time, always leaving your apartment damage free at the end of a lease, etc. Even the smallest details can make a positive impression on future landlords.

Key documents to present

• Reference letters: Ask for reference letters from past landlords or property managers as proof that you’ve been a good tenant in the past.
• Payment receipts: These can be used as proof of on-time rent payments. 
• Credit report: A high credit score is another way to demonstrate financial responsibility. 

5. Look for flexible landlords

Independent landlords, rather than those belonging to larger property management companies, might be more willing to work with tenants who cannot meet stringent proof of income requirements. This is because they have more flexibility to consider your circumstances and negotiate terms rather than follow strict company protocols. 

6. See if subletting is right for you

Subleasing can be a great alternative renting option when trying to qualify without a job. A sublet means someone is looking to rent out their apartment temporarily, such as moving out of state for short-term contract work or needing to stay with family. In these cases, the person may be more flexible in verifying your employment, as they usually need to find a new renter quickly. Make sure that before you accept any arrangement, you review the original lease terms, agree on a rental payment plan, and get permission from both the renter and landlord. To see if a short-term lease is available in your area, check out Zillow’s homes for rent.  

7. Find a roommate

A roommate can split the rent and other costs and also act as a co-applicant when you apply for an apartment. If the roommate has a job, it will be easier to qualify with their additional proof of income. Their income can make a landlord feel more reassured in accepting the both of you, while your contribution can help lessen financial strain. Just be sure that you establish clear, written agreements with your roommate about contributions to rent, utilities, and all other expenses. 

8. Be honest and transparent

Honesty is going to be very important when it comes to renting without a job. Instead of avoiding the issue, make sure you are being upfront about your situation when speaking with landlords. You will want to explain your financial situation and your plans for improving it, such as employment opportunities or savings, and talk up your strengths as a tenant. This transparency is going to help you build trust with a landlord while also fostering open communication between you and them.

While it can be hard to figure out whether you can get an apartment without a job, the reality is that doing so is within your reach. From finding the perfect room to rent to exploring other rental options, staying proactive and organized can make all the difference. Remember, honesty and preparation go a long way in improving your chances of getting an apartment — even without a traditional job. Why wait? Browse available listings and start your apartment search today.

Disclaimer: This article is provided for informational purposes only and is not intended for legal, financial, or professional advice. Rental laws and requirements can vary significantly by state, city and locality. Consult with a qualified attorney, real estate professional or appropriate authority in your jurisdiction for advice based on your specific set of facts and circumstances.