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drr71-2 t1_jdqclsp wrote

I can't tell if this is for real! You don't have the job yet, but you're renting a "fancy place"?! Focus on ways to build your credit and save your $300. Get a room in a group house instead of a private apartment. Anyone who does this for you is a sucker and at risk of losing far more than $300..

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[deleted] OP t1_jdqcsk6 wrote

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[deleted] OP t1_jdqcur2 wrote

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drr71-2 t1_jdqd7fj wrote

Wait.... is this in DC or in KY? This just get weirder and less believable by the minute.

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[deleted] OP t1_jdqdnr9 wrote

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drr71-2 t1_jdqemiz wrote

I also suggest not looking for, and asking strangers to take risk for a "fancy apartment" for someone working minimum wage jobs. That's what makes this unbelievable.

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[deleted] OP t1_jdqeq7s wrote

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NPRjunkieDC t1_jdqgu0t wrote

Why move to DC ? It's not cheap living here

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Thin_Decision_9212 t1_jdqhekd wrote

Costs the same as it does to live in Kentucky when you add up utilities internet and other costs of living

DC is cheap walkable and not filled with Transphobes/Homophobes, the city is known for its pride parades and has a large and diverse community

Much better than Yee haw ville imo

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solidrecommendations t1_jdqj45t wrote

The cost of living in DC is about double that of Kentucky

Not saying you can’t do it for less, but it’ll be much harder

You are right that DC is extremely LGBTQ+ friendly, and that’s a great reason to move here - I hope you find the community you’re looking for

Source (yes, I realize it’s a state to city comparison, but you just said “Kentucky”):

https://www.sofi.com/cost-of-living-in-washington-dc/

https://www.sofi.com/cost-of-living-in-kentucky/

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[deleted] OP t1_jdqkzoa wrote

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solidrecommendations t1_jdqlhv0 wrote

I’m not confused, I’m just stating that, objectively, DC is more expensive than Kentucky. I can speak to this from personal experience, because I moved to DC from a lower COL area myself. And if you just google the housing costs in Berea vs DC, you’ll see that I’m right.

But I’m not saying you can’t find a place in DC for less than you’re paying in Berea, because I have no idea what your rent is there. And of course in DC you can offset some of the higher living costs by ditching your car, for example.

I’m just making the general observation that DC is, on average, about twice as expensive as Berea as far as COL goes.

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[deleted] OP t1_jdqloqo wrote

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[deleted] OP t1_jdqlpz8 wrote

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solidrecommendations t1_jdqme1s wrote

Because you said it costs about the same to live in Kentucky as it does in DC … and I’m saying that as a general statement, that’s not true

Can you live in DC for $3k a month? Sure, but it will be very tight. Not much leftover for going out, etc. Take into consideration that while you may find a better deal on rent at some individual place in DC vs what you’re paying, things like groceries, utilities, taxes, etc. may be significantly higher than where you live.

Anyhow, move to DC if you want. But you’ll be one of the first to do so to save money lol.

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[deleted] OP t1_jdqmrqb wrote

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solidrecommendations t1_jdqmy1r wrote

Chill buddy … you’re not reading my comments closely … I said it’s great if you can move here to find the community that you want, but you’re the one who said it costs less and is cheap lol

I thought we left our prior discussion on good terms, but you’re being sort of a dick

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[deleted] OP t1_jdqnpl2 wrote

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solidrecommendations t1_jdqo82r wrote

You’re overthinking it and you can’t seem to grasp that you’re asking for way, way more than a signature! You’re asking for someone to guarantee your loan and be on the hook for rent for you. It’s not a reasonable request of a stranger.

Would you co sign a $12,000 loan with a stranger? That’s what you’re asking, at a minimum.

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[deleted] OP t1_jdqojhm wrote

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solidrecommendations t1_jdqonrx wrote

Yeah I mean we aren’t your best friends, siblings, or children, so it seems perfectly understandable that this didn’t work at all

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Thin_Decision_9212 t1_jdqp3tj wrote

That's what I'm saying my family is transphobic so I didn't have that so I came here....not that I'm your child

(Not trying to be an asshole)

Anyways people in other threads have triggered some PTSD so I'm gonna delete this account now

Sorry I asked and got pissed...

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solidrecommendations t1_jdqecbd wrote

I’m sorry, but any normal, rational person would never co sign a loan with a stranger (and it’s probably not a good idea even for a friend). We don’t know you and we’d be on the hook in case you couldn’t pay.

This is a pretty ridiculous ask of a random internet person.

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SSSS_car_go t1_jdqk64y wrote

My two kids knew from the day they moved out that we would never, ever co-sign a loan. We would give them money to help if we could, but we would not put our lives and credit on the line.

This ask is either trolling or just unbelievably obtuse.

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[deleted] OP t1_jdqesb6 wrote

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solidrecommendations t1_jdqf1fz wrote

Oh I have very trustworthy friends! But I can’t afford to pay their rent in addition to mine, so I can’t take on co-signing a loan for them. It’s too big of a risk. Honestly I wouldn’t do it with anyone unless I’m living with them. Go online and any good personal finance blog or website will say basically the same thing. Co-signing seems like a friendly thing to do, but wouldn’t you feel terrible if you couldn’t pay your rent and then your friend had to?

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[deleted] OP t1_jdqfigo wrote

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solidrecommendations t1_jdqfxiy wrote

I empathize with your situation, and I believe you, but that doesn’t make your request any less absurd. I’m not commenting to hurt your feelings … I’m doing so to help, believe it or not: the sooner you realize this stranger co-signing plan won’t work, the better. You’re asking for way, way more than a “signature essentially.”

Look for a private landlord, not a fancy apartment. A private landlord probably won’t require a co-signer.

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[deleted] OP t1_jdqh5wq wrote

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MoreCleverUserName t1_jdqlibw wrote

Earning twice the rent isn’t going to income-qualify you for most places; the usual standard is that rent is 30% of your income. So you may not qualify for the places you’re looking at, but you’d still be out the application fee and you and your co-signer would have the hard hit on your credit reports.

I know you’ve said you don’t have time to find a group house but there’s loads of them on various social media sites including r/DCforRent plus about 40 different Facebook/insta groups. I’ve seen a lot of listings that prefer a LGBTQ+ roommate or at least an ally. I think you should reconsider your approach, focus on a group house or shared apartment situation and look for something on your own after you’ve had time to build up credit.

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[deleted] OP t1_jdqlwvh wrote

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MoreCleverUserName t1_jdqmrun wrote

It’s math, not a personal attack. I know it’s not the answer you want to hear but part of adulting is understanding that you don’t always get what you want. I guess some lessons are harder for some folks to learn than others. Best of luck to you in your housing search.

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sbj405 t1_jdqb6t4 wrote

I’m sorry you’re in tough place. Have you considered offering additional security deposit? Independent landlords might be more flexible.

If not, there are services that you can pay to do this. Google lease guarantor.

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[deleted] OP t1_jdqca86 wrote

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OhPooForgottheBags t1_jdqgmet wrote

I'd move in a more realistic direction; use this time right now to make appointments with people advertising room to rent for today. You only have five days. Use the time fruitfully.

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ZonaPunk t1_jdqi6bj wrote

You do what every broke 20 something does when the move to get a real job. You live in group house. It's a challenge but doable. But the idea of you wanting some stranger to cosign a lease is fucking insane on so many levels.

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Thin_Decision_9212 t1_jdqle5z wrote

"real job" thanks grandpa I'll go tell my manager at McDonald's that her job isn't real enough for ZonaPunk

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ZonaPunk t1_jdqnbkb wrote

Back in my late twenties, I was a manager of a small store for a small local grocery chain in DC. It was an ok job but I had marketable skills and degree to make a lot more money. A year later I was making 3 times what I was making as a manager. So yes, it wasn't a real job for me.

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NPRjunkieDC t1_jdqgp2u wrote

Offer to pay several months in advance. Or show them proof of your savings on top of proof of employment. Good luck!

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MoreCleverUserName t1_jdqr8k6 wrote

They only have $6k in savings so that isn’t going to impress any landlord when the rent for a decent studio or 1BR starts at like $1300.

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Thin_Decision_9212 t1_jdqh8gj wrote

I absolutely will!! Thank you for actually offering advice instead of going on a tangent like everyone else

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swampoodler t1_jdqlsyx wrote

This isn’t going to happen.

Why would a stranger legally bind themselves to you?

Do what others have said: rent a room, not a unit.

This post is a big red flag, and a lot of your comments aren’t helping, OP.

Find a group home.

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iidesune t1_jdqjvxl wrote

I know many others have said this already, but it really does need to be repeated. This is an absolutely absurd request.

I wouldn't co-sign for a family member or best friend. Let alone someone I've never met who doesn't even have a stable, high-paying job secured in DC.

Your best bet is to find a private landlord and offer to pay several months in advance. You say you have over $6000 in savings. Good. Pay up to six months deposit on a relatively cheaper apartment and you should be good to go.

Good luck to you.

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[deleted] OP t1_jdqkgkz wrote

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iidesune t1_jdqn5hz wrote

I'm echoing it because you obviously don't get it. Good luck.

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MisinfoJourno t1_jdqogjp wrote

Go see OP comments

Bully

Trashing people who gave this person good advice, saying they'll never get a woman

Just an insane person

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MoreCleverUserName t1_jdqqxn8 wrote

Yes, sweetheart, it is math. There’s an actual income-to-rent ratio that’s considered a standard for landlords to use. You either meet it, or you don’t. And it’s based on what you can prove you earn, not what you might be able to get once you find a job.

>Everyone is being money into this like I said I needed that and not someone with a Good credit score

A potential landlord is gonna bring money into this, dipshit. And even if you can find a sucker dumb enough to put their credit score at risk for some rando on the internet and the princely sum of $300, a good credit score and less than 3x rent in income still doesn’t get you an apartment, You may not want to hear it but everyone who’s telling you “you don’t make enough money” is saying that because they’re familiar with what it takes to rent an apartment in DC. Your little $6000 savings is enough for first months rent, security deposit, and most of a month‘s cushion to find a job, if you’re ok with not having any furniture and not really eating. This is the reality of living in one of the most expensive cities in the country, and when people tried to explain this to you, you threw a hissy fit and deleted your post.

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>Best of luck to you and your search for a woman's touch

This is unnecessary. I didn’t attack you personally. If this is how you react to being told you can’t have what you want, things aren’t going to go well for you when you’re out on your own.

Bookmark https://smyal.org/, they help homeless LGBTQ+ young people , hopefully you won’t need them but if you do, I hope you listen to them more respectfully than you’ve listened to anyone in here.

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