Married or No?
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Married or No? (by NE [PA]) Jun 15, 2024 12:23 PM
       Married or No? (by WMH [NC]) Jun 15, 2024 12:40 PM
       Married or No? (by Stealth [NC]) Jun 15, 2024 12:42 PM
       Married or No? (by NE [PA]) Jun 15, 2024 12:43 PM
       Married or No? (by NE [PA]) Jun 15, 2024 12:55 PM
       Married or No? (by zero [IN]) Jun 15, 2024 1:14 PM
       Married or No? (by NE [PA]) Jun 15, 2024 1:18 PM
       Married or No? (by Just Tim [AR]) Jun 15, 2024 1:28 PM
       Married or No? (by Small potatoes [NY]) Jun 15, 2024 1:44 PM
       Married or No? (by jonny [NY]) Jun 15, 2024 2:41 PM
       Married or No? (by DJ [VA]) Jun 15, 2024 2:44 PM
       Married or No? (by NE [PA]) Jun 15, 2024 2:49 PM
       Married or No? (by Sisco [MO]) Jun 15, 2024 3:02 PM
       Married or No? (by 6x6 [TN]) Jun 15, 2024 3:45 PM
       Married or No? (by zero [IN]) Jun 15, 2024 5:08 PM
       Married or No? (by Bonanza [NC]) Jun 15, 2024 5:13 PM
       Married or No? (by Robert,OntarioCanada [ON]) Jun 15, 2024 5:14 PM
       Married or No? (by MikeA [TX]) Jun 15, 2024 7:26 PM
       Married or No? (by Sisco [MO]) Jun 15, 2024 8:34 PM
       Married or No? (by plenty [MO]) Jun 15, 2024 9:03 PM
       Married or No? (by Mapleaf18 [NY]) Jun 16, 2024 8:08 AM
       Married or No? (by Mapleaf18 [NY]) Jun 16, 2024 8:10 AM
       Married or No? (by Sisco [MO]) Jun 16, 2024 8:16 AM
       Married or No? (by Mapleaf18 [NY]) Jun 16, 2024 8:45 AM
       Married or No? (by Robert J [CA]) Jun 16, 2024 9:35 AM
       Married or No? (by 6x6 [TN]) Jun 16, 2024 11:44 AM
       Married or No? (by Bill [TN]) Jun 16, 2024 2:43 PM
       Married or No? (by Ray-N-Pa [PA]) Jun 17, 2024 6:51 AM
       Married or No? (by zero [IN]) Jun 17, 2024 8:43 AM
       Married or No? (by Ray-N-Pa [PA]) Jun 17, 2024 9:39 AM
       Married or No? (by zero [IN]) Jun 17, 2024 4:09 PM
       Married or No? (by CDM [CA]) Jun 18, 2024 12:17 AM
       Married or No? (by NE [PA]) Jun 18, 2024 7:25 AM
       Married or No? (by zero [IN]) Jun 18, 2024 8:29 AM
       Married or No? (by 6x6 [TN]) Jun 18, 2024 7:22 PM
       Married or No? (by Bill [TN]) Jun 21, 2024 9:46 PM

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Married or No? (by NE [PA]) Posted on: Jun 15, 2024 12:23 PM
Message:

This hasnít been an issue too much in the past. However itís starting to happen more often. Iím getting couples that claim being married, but no name change. I know the name change isnít always done in todayís clown world America, but for screening purposes how do you handle this? What if husbands credit is good, but homemaker wifeís credit is trashed. Married, but no name change. As a married couple, 2 is as 1 or at least it should be, correct? So do you ask for some sort of proof? Or just deny outright? --24.152.xxx.xx




Married or No? (by WMH [NC]) Posted on: Jun 15, 2024 12:40 PM
Message:

I don't even know if my tenant couples are married. Several have GOTTEN married while residents and I didn't even know that unless they mentioned. I seem to remember one asking if we could hold off on an annual inspection once as they were getting married that weekend LOL! (We did.)

If they qualify - together - for the rent, they qualify. If they are roommates, friends with benefits, "fiancťes" or actually married, I don't really care. They both sign the lease, jointly and severally responsible. Would I rent to the "bad credit" person alone? No but they wouldn't qualify alone based on income, either.

FWIW, my son and his GF have been together 27 years. Not married but two kids together, a house and the money is combined. My other son and his wife have been together 10 or 11 years - married - but don't still don't combine finances and she didn't change her name for at least a couple of years just because of the hassle factor.

Other son is as legally married as you can if you do it in Mexico :) and I'm assuming combined incomes but no idea really.

All would qualify to rent from me. --173.28.xx.xxx




Married or No? (by Stealth [NC]) Posted on: Jun 15, 2024 12:42 PM
Message:

I wouldnít deny them for the no name change. Tradition has been wrong before. --174.212.xxx.xx




Married or No? (by NE [PA]) Posted on: Jun 15, 2024 12:43 PM
Message:

I understand what youíre saying, but I think the rules are a little different if theyíre married. If sheís not contributing credit or $ and he qualifies, donít they both qualify? Speaking from a fair housing point. --24.152.xxx.xx




Married or No? (by NE [PA]) Posted on: Jun 15, 2024 12:55 PM
Message:

Stealth, Iím not entirely sure I understand your comment. Iím not looking to deny due to no name change. --24.152.xxx.xx




Married or No? (by zero [IN]) Posted on: Jun 15, 2024 1:14 PM
Message:

I found out that a couple got married when I sent the rent increase letter. She replied that her last name changed when they married. I made the changes in my system and knew they got the letter.

My daughter was with her SO for 4+ years before getting married. She changed her last name. I told her to just keep it the same. She had to go thru so much to change everything I didn't think it was worth it.

I don't care what tenants call themselves. Most are fiancťes when they just met a week ago. I did add a line on my application asking for maiden or any other name. The court look up doesn't always grab both names.

If combined they qualify I don't see the problem, married or not. Fair housing is something I need more training in but I thought you couldn't deny based on if they are married or not. I don't think it matters either way. If she has 20 evictions and gets married she still has 20 evictions. --107.147.xx.xx




Married or No? (by NE [PA]) Posted on: Jun 15, 2024 1:18 PM
Message:

Zero, your last sentence is basically what Iím looking for. Iím not looking to deny on being married or not. Iím looking for clarity as to whether the great app on husband negates the crappy app on the wife. Am I legally required to ignore a wifeís bad app if married and if no name change, how do we prove marriage? --24.152.xxx.xx




Married or No? (by Just Tim [AR]) Posted on: Jun 15, 2024 1:28 PM
Message:

Am I legally required to ignore a wifeís bad app...?

No.

Approval for me is household income but each applicant must meet credit and rental history and background check. An eviction, collection from another LL, or any other disqualifying factor on one applicant disqualifies all.

Ignoring the wife's bad credit/rental history would be no different than ignoring her being a drug trafficker IMO. --68.1.xxx.xxx




Married or No? (by Small potatoes [NY]) Posted on: Jun 15, 2024 1:44 PM
Message:

Name or no name they are applying together and in my book must qualify together. Marriage does not require you to not look at the spouse w the poor credit. Now in NY if you deny based on credit you have to tell them that and share the information you sourced. --172.59.xxx.xxx




Married or No? (by jonny [NY]) Posted on: Jun 15, 2024 2:41 PM
Message:

If there are multiple people on the application to rent/lease (meaning they are adults applying), ALL must be approved. Monetarily, if one has the money / income, etc that part doesn't necessarily bother me as long as they both pass the background/credit checks. If one does and the other doesn't (pass the background/credit)... I don't approve.

It's not a "Fair Housing issue" from what I see. Is that what you are asking?

I don't know of any laws that you have to "ignore" the other applicant (if they are married). --69.201.xx.xxx




Married or No? (by DJ [VA]) Posted on: Jun 15, 2024 2:44 PM
Message:

I see them all as roommates.

Combined income to qualify.

Separate criminal, credit and eviction records - if either one fails that, the household is not qualified.

I see bad credit differently than no credit. --68.229.xxx.xxx




Married or No? (by NE [PA]) Posted on: Jun 15, 2024 2:49 PM
Message:

Jonny, I think there is different fair housing criteria for a married couple vs shack up. DJ, I donít know if you can screen a married couple as roommates. I understand what youíre saying though and I agree they should be. --24.152.xxx.xx




Married or No? (by Sisco [MO]) Posted on: Jun 15, 2024 3:02 PM
Message:

My experience indicates that when two apply one with bad credit, the other with good credit, soon the former good credit party will become a bad credit risk or will soon depart. They are incompatible.

The married couples with separate banking are hard to seriously consider as combining income as they demonstrably prove by their separate accounts.

For me, the woman using her maiden name isnít a deal killer, but I think it more likely that a separation will occur, leaving me with an individual unable or unwilling to pay. --149.76.xxx.x




Married or No? (by 6x6 [TN]) Posted on: Jun 15, 2024 3:45 PM
Message:

Considering the divorce rates, I'm not sure why anyone gets married. Either way, I don't see how it really matters when screening. --76.129.xxx.xx




Married or No? (by zero [IN]) Posted on: Jun 15, 2024 5:08 PM
Message:

Sisco, my kid keeps her money in a different account. They venmo each other. To each their own I guess. It would drive my wife crazy tracking two accounts that could easily be merged into one.

But then again the kid doesn't have a great track record right now with managing expenses. She doesn't even know what the spouse makes.

--107.147.xx.xx




Married or No? (by Bonanza [NC]) Posted on: Jun 15, 2024 5:13 PM
Message:

I don't know or care if they are married. They sink or swim as a group. If one has a credit score above the threshold and the other doesn't then they both get denied.

Same with income. It's combined and either it meets the threshold or not. --65.188.xxx.xxx




Married or No? (by Robert,OntarioCanada [ON]) Posted on: Jun 15, 2024 5:14 PM
Message:

Have all adults fill out rental applications where run a thorough credit check on both applicants to avoid another trashed out rental unit and rent arrears. What will happen the person with good credit moves out. So in the end married or not is not a concern. Seen many times where my girl friend will not fill out a rental application where they stay holed up for a very long time. --207.236.xxx.xxx




Married or No? (by MikeA [TX]) Posted on: Jun 15, 2024 7:26 PM
Message:

In this world of "identifying as" ___________ there are no real rules for people or relationships as far as the law is concerned. Used to be, at least in the state of Texas, that once a couple claimed to be married they were from a common law perspective. I have a friend that makes a living doing remodeling get pulled into family court because the quote provided was to Mr. and Mrs. not knowing they weren't married, the female used that quote months later as grounds to prove marital status.

I was developing some material to teach a Marriage class at Church and ran across this "new" definition of marriage. It is now defined as "a sequential monogamous relationship" so being sequential, why would you do a name change, it' only temporary in the worlds view!

In reality the relationship does not matter when screening. Look at them as roommates if you like. In my case, for income verification and credit checks I look at the high earner credit first and then work my way down. If the couples haven't cohabitated for at least a year then I only count the highest earner. For everything other than income, the negatives count on both. That is, evictions, criminal records, and the like are strikes no matter which applicant it is. --209.205.xxx.xx




Married or No? (by Sisco [MO]) Posted on: Jun 15, 2024 8:34 PM
Message:

From the Landlord perspective stability is the desire. Traditional Marriage was a stabilizing force in civilization. A new age marriage is not. --149.76.xxx.x




Married or No? (by plenty [MO]) Posted on: Jun 15, 2024 9:03 PM
Message:

Certainly is a perceived concept. Nothing is certain but it would seem to bring some unity in financials. I do have the same thoughts when screening married vs unmarried couples --172.59.xxx.xxx




Married or No? (by Mapleaf18 [NY]) Posted on: Jun 16, 2024 8:08 AM
Message:

I'm 63, DH is 56. This is his 2nd marriage and my third. I'm no womens libber but for me to change my last name to his would be a giant upheaval as EVERYTHING is in my name (due to his ex wife's avarice) --172.56.xx.xxx




Married or No? (by Mapleaf18 [NY]) Posted on: Jun 16, 2024 8:10 AM
Message:

I should add that we have "been together" for almost 20 yrs now and officialy married for 3 yrs. --172.56.xx.xxx




Married or No? (by Sisco [MO]) Posted on: Jun 16, 2024 8:16 AM
Message:

Maple, we are talking about prospective renters as a group. Am I in error to view the No name change / separate banking marriage as an indication of a less stable arrangement than the traditional? --149.76.xxx.x




Married or No? (by Mapleaf18 [NY]) Posted on: Jun 16, 2024 8:45 AM
Message:

Sisco, I know we are talking about renters, however a VERY large percentage of step families keep separate accounts due to something called "parenting by guilt" or "Disneyland Dad/Mom Syndrome." I've had young marrieds skip out and get divorced then file banruptcy. Legally married MAY indicate a more serious and fiscally responsible couple but not always. Your mileage may vary in today's lax divorce laws. --172.58.xx.xxx




Married or No? (by Robert J [CA]) Posted on: Jun 16, 2024 9:35 AM
Message:

I had a married couple rent a large 3 bedroom apartment with two kids and 1 parent. As it turns out, the couple was not married. The wife and parent were in a same sex relationship, and the husband was not related to his kids, one male and the other female. They were his sex slaves. Once reported, I was fined.Why? This is West Hollywood, CA, where anything goes. --47.155.xx.x




Married or No? (by 6x6 [TN]) Posted on: Jun 16, 2024 11:44 AM
Message:

The weather must be really great in CA, because I'm not too sure anything else is. --76.129.xxx.xx




Married or No? (by Bill [TN]) Posted on: Jun 16, 2024 2:43 PM
Message:

I've gotten burned a couple times with the "fiance'" nonsense. They break up, neither one can afford the place on their own and I'm stuck with a tenant who can't afford the rent. My solution is I rent to ONE person who is qualified, the other person is listed as being allowed to live there ONLY so long as the renter is there. If the renter moves out, so must the other party. --35.132.xxx.xx




Married or No? (by Ray-N-Pa [PA]) Posted on: Jun 17, 2024 6:51 AM
Message:

I use an average credit score. For class C SFH, 620-650 depending on how much money I have into the project --24.101.xxx.xxx




Married or No? (by zero [IN]) Posted on: Jun 17, 2024 8:43 AM
Message:

Bill, I had considered that but usually when one goes it is the better one so I am still stuck with the other tenant.

I still have to threaten eviction, and usually have to follow thru with it because nobody cares about their credit or reputation any more.

A process is started when one says they are leaving. Both parties know they are responsible. If one wants to stay they fill out a new application. If they pass then the other signs off on the deposit and leaves the old lease. New lease is signed and all is good.

So many times one moves out then comes back. Rinse and repeat. When I get word that one left I try and wait a little bit to see if they come back.

Have changed so many locks because of the back and forth. --107.147.xx.xx




Married or No? (by Ray-N-Pa [PA]) Posted on: Jun 17, 2024 9:39 AM
Message:

One thing I don't do is offer a discount on my screening if the couple is married. The way I see it, we are not allowed to discriminate using familiar status, so the inverse should also hold true. You shouldn't get any breaks if you are married. --24.101.xxx.xxx




Married or No? (by zero [IN]) Posted on: Jun 17, 2024 4:09 PM
Message:

I agree Ray.

I am still married and she doesn't give me any breaks. --107.147.xx.xx




Married or No? (by CDM [CA]) Posted on: Jun 18, 2024 12:17 AM
Message:

My daughter is married and kept her original last name. Same for my sister, two sisters-in-law, and several of my best friends. It's a cultural trend and doesn't mean they are less responsible than people who changed their names. --98.210.xx.xxx




Married or No? (by NE [PA]) Posted on: Jun 18, 2024 7:25 AM
Message:

CDM, that sounds full California mode there. --24.152.xxx.xx




Married or No? (by zero [IN]) Posted on: Jun 18, 2024 8:29 AM
Message:

I remember being in school and a female teacher changed her name mid way thru the year. Probably a marriage or a divorce. It messed with some of the kids.

Never had emails in my actual name. Those with name changes change emails as well. Now my daughter has a collection of them. When I got married emails were not a thing. My wife took my last name but mainly because that was just the norm. --107.147.xx.xx




Married or No? (by 6x6 [TN]) Posted on: Jun 18, 2024 7:22 PM
Message:

Traditions change. --76.129.xxx.xx




Married or No? (by Bill [TN]) Posted on: Jun 21, 2024 9:46 PM
Message:

On a lighter note on this subject, I used to have an elderly widow who lived in one of my units. When a new couple moved in she would always ask me, "Now, that new couple that just moved in, are they married or just doing light housekeeping?". Always got a laugh out of that one. --35.132.xxx.xx



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