Co- signer discrination?
Click here for Top Ten Discussions. CLICK HERE for Q & A Homepage
Receive Free Rental Owner Updates Email:  
MrLandlord Q & A
Co- signer discrination? (by RentsDue [MA]) Jun 15, 2019 10:38 AM
       Co- signer discrination? (by NE [PA]) Jun 15, 2019 11:05 AM
       Co- signer discrination? (by Landlord ofthe Flies [TX]) Jun 15, 2019 3:14 PM
       Co- signer discrination? (by Robert J [CA]) Jun 15, 2019 3:30 PM
       Co- signer discrination? (by Still Learning [NH]) Jun 16, 2019 11:33 AM
       Co- signer discrination? (by JKJ [MA]) Jun 16, 2019 1:34 PM
       Co- signer discrination? (by BRAD 20,000 [IN]) Jun 17, 2019 12:50 AM
       Co- signer discrination? (by Nellie [ME]) Jun 18, 2019 1:16 AM

Click here to reply to this discussion.
Click Here to send this discussion to a friend

Co- signer discrination? (by RentsDue [MA]) Posted on: Jun 15, 2019 10:38 AM

On student rentals I have to take co-signers. These kids donít have 3x the income for a legitimate reason, they are full time students. I do not want to accept co-signers for non- students.I donít know if that crosses a line on being discrimination. I understand that discrimination only applies to members of a protected class, but that really is the majority of applicants. For example, what if I do not rent to a home to a Section 8 minority family because they dont income qualify ( even with voucher) and I wonít accept a co- signer . If I then rent that same home to a group of non minority college kids with co-signers, have I opened myself up to a discrimination claim? The smarter choice for me is the college group for financial reasons- they will stay four years , but will be gone all summer. Mom and Dad will pay like clockwork and will take care of any issues that arise ( Housing certainly wonít do that). They are college kids- they will sneak in girls, but not pets. At the end of the tenancy they will have a new group already lined up and waiting to sign a lease .

Co- signer discrination? (by NE [PA]) Posted on: Jun 15, 2019 11:05 AM

I'd say 2 different styles of housing, 2 different sets of rules.

Although, you are in Mass.

Co- signer discrination? (by Landlord ofthe Flies [TX]) Posted on: Jun 15, 2019 3:14 PM

First of all, don't think of it as non-minority college kids or minority college kids, or college kids, or kids. All of those dance around protected classes. Just only allow currently enrolled full-time students to have co-signers and you should be in the clear. Or you could make it currently enrolled students with no credit history. How many have bad credit? Or you could have stiff requirements on the co-signer (good credit, collectable in-state, related to tenant, etc) but those requirements would have to apply to all co-signers.

If you treat all currently enrolled full-time students the same then I think you'll be ok. Enrollment is not a protected class and something you can be discriminate about.

Just pray some currently enrolled minority students apply to give your practice some minority non-discriminatory street cred. Of course that also means you have to give Section 8 currently enrolled students the same deal, if there are any that you come across. However I'm assuming section 8 college students would be more responsible than section 8 non-students. Hopefully. Maybe.

Co- signer discrination? (by Robert J [CA]) Posted on: Jun 15, 2019 3:30 PM

What do "kids" as tenants and "co-signer's" have in common? Neither will take responsibility unless you take "Legal" action against them!

So instead of having parents as co-signers I have them on the lease as co-tenants. They write me a letter that states they will come to visit their child around once a month and sometimes stay over, so they want to be on the lease. This way if rent isn't paid, the parents won't want their credit to be destroyed.....They will pay their child's debt to keep their credit clean. --47.156.xx.xx

Co- signer discrination? (by Still Learning [NH]) Posted on: Jun 16, 2019 11:33 AM

I think you could also set high credit score thresholds for co-signers. I canít imagine that many section 8 candidates have co-signers with high credit scores.

Co- signer discrination? (by JKJ [MA]) Posted on: Jun 16, 2019 1:34 PM

As LOTF said, canít your criteria be to only accept co-signers for currently enrolled students? I would think setting a high credit threshold would greatly reduce the number of eligible student tenants, I would expect a full time student to have either low or nonexistent credit.

Co- signer discrination? (by BRAD 20,000 [IN]) Posted on: Jun 17, 2019 12:50 AM


You raise a great question. My first thought was to the long list of protected classes (13?) in the state of MA. Your local govt may have even more.

Also, like Robert J said, I would sign them as additional RESIDENTS/TENANTS, not as co-signors. I have watched co-signors be "released" in court.

Have the parents apply along with the student so you screen them all together.

In the case of a non-student perhaps screen their application on it's own merit. If they have a co-tenant apply that passes your screening you might be OK to rent. Usually there are other problems.


Co- signer discrination? (by Nellie [ME]) Posted on: Jun 18, 2019 1:16 AM

Being college students does not keep them from sneaking in pets.

My daughter had a hedgehog in dorm room senior year. All year....

And our ďESAĒ pit bull we dealt with about 4 years ago came back from summer vacation with the student as a surprise to us. She just assumed she could have it and after a weekend of going back and forth with us saying she had to arrange to take it home (to Virginia) her roommate looks at us and slyly says ďwhat if it is an emotional support animal?Ē Within 18 hours some therapist from Virginia had written a letter with a lot of detail. Iím not convinced it was legitimate, but there was nothing we could do.

Click Here to send this discussion to a friend
Report discussion to Webmaster

Subject: RE: Co- signer discrination?
Your Name:
Your State:

Co- signer discrination?
Would you like to be notified via email when somebody replies to this thread?
If so, you must include your valid email address here. Do not add your address more than once per thread/subject. By entering your email address here, you agree to receive notification from every time anyone replies to "this" thread. You will receive response notifications for up to one week following the original post. Your email address will not be visible to readers.
Email Address: