Jozek is from Chicago. I'm sitting outside at Starbucks on diversity in Sheffield with Harold, a writer from Realty a mortgage. Harold, how are you? I'm good. I wanted to ask you if you could help Stephie through the process of renting my first apartment in Chicago. What can I expect from the rental policies? For example, credit checks, fees upfront, etc. Yeah, almost every landlord in the city of Chicago is going to ask you to fill out an application and give permission to run a credit check. There's a charge for that, typically about $50. The application process includes not just the credit report, but also a criminal background check and income verification. Our underwriting criteria is that your gross income should be 35% if the apartment is heated by the building, and 30% if it's tenant heating (where you contract directly with utilities for gas). This is fairly representative of the language across the board, although I can't speak for everybody. Each landlord may have slightly different criteria. However, for our company, it's pretty set in stone. What about roommate situations? We do accept roommates. Our general guideline is two people per bedroom, including studios. We wouldn't put eight people in a one-bedroom apartment, though. Each person has to be approved individually, as they are separately liable for the lease. They must have good credit and ensure they can pay their portion of the rent. If one roommate fails to pay, the other is still liable for the whole rent amount. Do you require a security deposit? Yes, we do require a security deposit. I believe they will only accept a check.
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