cover letter for renting a house

Rental Cover Letter: Sample Letter to Rent a House

Do you really need a cover letter to rent a house? It might not be technically required, but writing a rental cover letter can be an excellent way to set yourself apart in a highly competitive market.

Consider this: they likely receive many applications when a landlord or property management team accepts new tenants. Millions of people apply to rent a house every year, which means that you could be up against dozens (if not more) of other applicants. But with a rental cover letter, you can make a positive first impression and potentially get a step ahead of other renters.

This guide will cover how to write a cover letter for a rental application and even provide you with a rent letter example to help you get started.

Why Write a Rental Cover Letter

Usually, cover letters are reserved for job applications. You might include a cover letter with your resume to summarize your strengths, past professional experiences, and your best qualities. A cover letter aims to show why you deserve the job and what makes you unique in a pool of applicants.

Essentially, cover letters for rental applications serve the same purpose. However, instead of applying for a job, you’re applying for your future dream home.

Rental application cover letters are not required, but they can be an effective “extra step” that demonstrates that you’re serious about renting the property in question. Also, writing a letter to a landlord to rent the property can highlight exactly why you would be an ideal tenant.

Criteria Landlords Look For

When landlords and property management teams review home rental applications , they are looking for a few key criteria:

• Credit history
• Employment/employment history
• Rental history
• Background check

These criteria help landlords decide whom to pick to rent the property because they paint a picture of who a tenant is, whether they’re likely to pay rent on time and if they’ll be a considerate tenant and neighbor. With a rental cover letter, you can go one step further and share this information in your own words.

What to Include in a Rental Cover Letter

So, what goes in a rental application cover letter? There are no hard and fast rules, but here are some good guidelines.

Summarize Your Employment History

A landlord is far more likely to rent to someone with steady employment – they need the tenant to be able to pay rent every month.

So, sharing more information about your current employment and past positions can give you a boost. For example, highlighting that you’ve been in your current position for many years shows that you tend to be reliable and responsible.

Share Your Hobbies

It might be surprising to see this one on our list, but your hobbies can turn your application from a piece of paper into a story about an actual person – which is a big plus. It’s always a good thing when the landlord can feel like they’re getting to know you.

Talk about how you’ll plan to spend your off time in the community; for example, maybe you’ll be taking your family to swim at the private neighborhood pool.

Discuss Your Thoughts on What Makes a Good Neighbor

Your potential new neighbors are hoping you’ll be a friendly, conscientious neighbor, but so is your landlord. Landlords don’t want to deal with conflict caused by a troublesome tenant. Instead, they’re aiming for a smooth, drama-free situation.

You can briefly cover what you think it means to be a good neighbor and how you’ll bring those qualities to your new home.

Explain Why You Want To Live in This House

A tenant who truly cares about the property and community is bound to be a good tenant, especially compared to one who may be indifferent about the home.

Try to share specific examples of why this house and neighborhood is your ideal home. For example, you might discuss the local preschool where your child will be enrolled, a nearby park you envision spending time at, or any personal reasons.

Sample Letter to Rent a House

Here’s a handy cover letter template for a rental application to make the writing process as easy as possible.

(Your name) (Address) (City, State ZIP Code)

(Landlord or property manager name) (Address) (City, State ZIP Code)

Re: (Your name) Rental Application Cover Letter for (Address or property name)

Dear (Landlord name),

My name is (Your name), and I’m writing to you to express my interest in the home at (address or property name). I would love to live in this place because (reasons you want to rent the property).

I currently am a tenant at (current address) but am ready to move because (reason for moving).

My hope in writing this letter was that it would help you get to know me a little better and show you why I’m an ideal tenant for this rental home.

• (Highlight of employment history)
• (Highlight of rental history)
• (Something about your hobbies or interests)
• (Note about how you’ll be a good neighbor/tenant)
• (Quote from a reference)

I’m committed to being a respectful, reliable tenant and a good neighbor, who will pay my rent on time, care for the property and communicate with you whenever needed.

Please feel free to contact my references or me personally with any questions or concerns.

Thank you for your time and consideration,

(Signature) (Printed name) (Email address) (Phone number)

Look into Build-to-Rent Homes by Wan Bridge

Before you write a letter to rent a house, you need to find your dream property first. With build-to-rent communities designed to fit the tenant’s needs, Wan Bridge has created new homes for rent in Dallas , Austin , and Houston .

Contact our team today for more information about our communities and how to apply to become a resident.

Image Credit: sommart sombutwanitkul / Shutterstock

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Rental application cover letter Tips to standout

• 12 Jun 2023
• By James Price

Rental application, Cover letter, tips

A cover letter is a crucial aspect of your rental application process, as it gives you the opportunity to make a positive first impression on the property manager or landlord, also known as the lessor. It showcases your personality, work history, and lifestyle.

A cover letter can greatly impact the decision on whether you are given the tenancy. In this article, we will provide you with valuable tips on how to write an outstanding rental cover letter that will help you stay a step ahead of the crowd.

What is a cover letter for a rental property?

A cover letter for a property available to rent, also known as a renter cover letter, is a document that accompanies your application for the property, explaining why you would make a great tenant.

This letter serves as an introduction to the lessor and gives you the chance to showcase your personality, work history, and lifestyle. A well-written renter cover letter can help you get a step ahead of the competition and increase your chances of being approved for the property you desire.

Why do I need a renter cover letter?

A renter cover letter is an excellent way to make a positive first impression and demonstrate your professionalism to the lessor. It's the perfect way to introduce yourself and your suitability for the rental.

Advantages of a cover letter

By including a cover letter, you are showing that you are taking your application for the rental home or apartment seriously and are willing to go the extra mile to secure your desired property. This can set you apart from other renters and increase your chances of being approved. There can be a lot of prospective tenants, especially in a competitive market, making it crucial to stay a step ahead in any way you can.

Who reads a rental cover letter?

Home rental applications are typically read by a property manager or lessor who is responsible for screening potential tenants and making decisions on who to rent to. This person will evaluate your renter cover letter and ultimately decide if you are fit for the property.

Is there a criteria lessors look for?

Yes, there are certain criteria that property managers and landlords look for when evaluating applications from potential renters. Some of these include:

· Stable employment status and history

· No history of eviction

· No criminal record

· Ability to pay rent on time each month

· Positive rental references

By including this information in your application, you can demonstrate to the lessor that you meet their criteria and would make a responsible and reliable tenant.

Things to include in your rental cover letter

1. Introduction: Start your cover letter by introducing yourself and your reason for applying for the rental property.

2. Lifestyle: Provide a brief description of your lifestyle and why you are looking to move. If you are planning on sharing the house with family or housemates, introduce them as well.

3. Employment History: Summarise your past occupations, including your current job and how long you have been in your current position. This will demonstrate your stability and ability to pay rent on time.

4. Hobbies: Share your hobbies and interests. This can help the lessor get to know you on a personal level and can set you apart from other applicants.

5. Thoughts on Good Neighbors: Discuss your thoughts on what makes a good neighbor and how you plan to be an active member of the community.

6. Rental References: Provide the names and contact information for at least two previous lessors who can provide a positive reference for you as a tenant.

How to format a rental cover letter?

Like most application forms, following a clear and concise format can help leave a lasting impression. When writing a rental cover letter for a rental application, it is important to present yourself in a professional and organised manner. Start by including your contact information, followed by the date and the lessors information. Be sure to use a clear and legible font, such as Arial or Times New Roman, in a font size of 12 points.

In the first paragraph, introduce yourself and state the reason for your letter. Mention the specific property you are interested in and what about the property appeals to you.

In the second paragraph, highlight your job history, including your current position and how long you have been employed there. If you have any relevant work experience, such as property management or customer service, be sure to mention it.

In the third paragraph, discuss your hobbies and interests and how they fit in with the community you are applying to live in. For example, if you enjoy outdoor activities and the property you are applying for has a pool, mention that you look forward to spending time by the pool with your family.

In the fourth paragraph, discuss what you believe makes a good neighbor. Explain that you value a peaceful and respectful community and that you take pride in maintaining your living space.

In the final paragraph, include any rental references you have, including previous lessors and you have any personal references, such as friends or coworkers, who can speak to your character. Feel free to include them as well.

When concluding your cover letter, thank the property manager or landlord for considering your application and express your eagerness to hear back from them. Be sure to sign your name in ink, and include a copy of your application for the property.

Tips for writing a winning rental cover letter

1. Customise your rental cover letter: Each application is unique, so it is important to tailor your letter to each property you are interested in. This will show that you have taken the time to research the property and that you are genuinely interested in becoming a tenant.

2. Use a Professional Tone: Make sure to use a professional tone when writing your cover letter. Avoid using slang or overly casual language. Address the lessor by their proper title, such as Mr. or Mrs., and use proper punctuation and grammar throughout the letter.

3. Showcase your personality: While it is important to be professional, don't be afraid to showcase your personality and let your character shine through. This can help the lessor get to know you on a personal level and can set you apart from other applicants.

4. Be concise: Keep your cover letter short and to the point, focusing on the most important information. Aim for around 200-300 words, and avoid repeating information that is already included in your application.

5. Showcase your Responsible Nature: Landlords and property managers want to rent to tenants who are responsible, trustworthy and reliable. Highlight your responsible nature by discussing your previous rental experience, any positive feedback from previous lessors, and your ability to pay rent on time.

6. Explain Your Personal and Professional Goals: Lessos wants to rent to tenants who have a stable and long-term plan. Explain your personal and professional goals in your cover letter, and how renting the property fits into your long-term plans. This can give the lessor confidence that you will take care of their property and stay for a longer period.

7. Offer to Provide Additional Documentation: Offer to provide additional documentation such as employment contracts, pay stubs, and bank statements to support your application. This shows that you are proactive and willing to go the extra mile to secure the rental.

8. Close the Letter on a Positive Note: End your cover letter on a positive note by expressing your gratitude for the opportunity to apply for the rental and your excitement about the potential of living in the property.

9. Proofread and Edit Your Cover Letter: Before submitting your letter, make sure to proofread and edit it for grammar, spelling and formatting errors. A well-written and professional letter can help you stand out from other applicants and increase your chances of securing the rental.

Additional tips for securing the rental property

1. Follow Up with a Phone Call

After submitting your rental application and cover letter, follow up with a phone call to the lessor to inquire about the status of your application. This shows that you are interested in the property and that you are proactive in your search for a new home.

2. Be Prepared for an Interview

If your cover letter and application are well received, you may be asked to come in for an interview. Be prepared to discuss your employment history, lifestyle and other relevant information in detail.

3. Ask Questions During the Interview

During the interview, be sure to ask the landlord or property manager any questions you may have about the property or their expectations for tenants. This shows that you are engaged and interested in the rental process.

4. Follow-Up After the Interview

After the interview, follow up with a thank you note or email to the landlord or property manager. This will help keep your application at the forefront of their mind and show that you are still interested in the property.

5. Know Your Rights as a Tenant

It is important to familiarise yourself with your rights as a tenant, including your right to privacy, the right to a safe and habitable living environment, and the right to access certain amenities, such as a swimming pool or laundry facilities.

6. Be Patient

The rental process can take time, so be patient and keep your options open. If you are not selected for the property you applied for, don’t be discouraged. Keep searching for other properties and continue to improve your application materials to increase your chances of success.

First impressions count and a well-written cover letter can be the key to securing the perfect apartment or house. By showcasing your personality, providing a detailed employment history, and highlighting your interests and values, you can set yourself apart from other applicants and increase your chances of landing the rental. Remember to be professional, thorough, and patient, and you will be well on your way to finding your dream rental.

Are you planning on moving into a property with pets? Read about the laws regarding pets in rental properties here . Have another question relating to property managers? Search your query through our extensive library here .

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Property Management , Real Estate

How to write a rental application cover letter – sample template included, why a cover letter.

Whether you’re eyeing a cozy apartment in a bustling city or a charming house in a quiet suburb, your rental application cover letter could be the golden ticket to securing your dream place.

Let’s dive into how you can craft a cover letter that not only showcases your best self but also puts you at the top of the landlord’s list.

Think of your rental application cover letter as your personal pitch. In markets where the demand for homes far outstrips supply, this letter is your chance to show why you’re not just another applicant, but the perfect tenant. It’s all about making a memorable first impression that convinces the landlord you’re the right fit for their property.

What to Include in Your Cover Letter

Your cover letter should be a blend of personal insights and key information. Here’s what to highlight:

• Personal Introduction : Start with a brief introduction of who you are and why you’re moving. This helps the landlord get to know you right off the bat.
• Employment and Financial Stability : Mention your job and hint at your financial capability to pay rent on time. Landlords love stability!
• Lifestyle and Habits : Share a glimpse of your lifestyle and hobbies. If you’re a quiet bookworm or a weekend gardener, let them know. It paints a picture of you as a tenant.
• Why This Property? : Dive into the reasons you’ve fallen for the property. Is it the leafy neighbourhood, the pet-friendly policy, or proximity to work? This shows you’re genuinely interested.
• Your Qualities as a Tenant : Highlight your qualities, like being clean, quiet, and respectful. If you’ve got a green thumb or are handy around the house, mention that too.

The Power of Personalisation

Don’t just copy and paste a generic template. Tailor your cover letter to each property you apply for. Landlords can spot a generic letter a mile away, and personalisation will show you’ve put thought and effort into your application.

Stand Out with Specifics

• Tell a Story : Share a brief, engaging story about why the property caught your eye or how it fits into your future plans.
• Add a Personal Touch : If allowed, including a photo or a small personal detail can help the landlord remember you among a sea of applicants.
• Be Professional but Friendly : Strike a balance between professionalism and showing your personality. You want to come across as reliable yet relatable.

Rental Application Cover Letter Template

Dear [Landlord/Property Manager’s Name],

I am writing to express my interest in the [Property Address] listed [where you found the listing]. As a [Your Job Title] at [Your Employer] with [Number of Years/Months] years of stable employment, I am excited about the possibility of making this property my new home.

The property stands out to me because of [mention one or two specific features or location attributes]. My lifestyle is [brief description, e.g., “quiet and active, with interests in cooking and outdoor activities”], aligning perfectly with what this home offers.

I have a consistent record of timely rent payments and maintaining properties in excellent condition, as my references will attest. I am looking for a long-term lease and see [Property Address] as the ideal fit.

Thank you for considering my application. I am eager to discuss how I can be a great tenant for your property. Please feel free to contact me at [Your Phone Number] or [Your Email Address].

Best regards,

Final Touches

• Proofread : Double-check for typos or grammatical errors. A well-written letter reflects your attention to detail.
• Follow Up : Don’t be shy to follow up after submitting your application. A polite email or call can reinforce your interest.

Crafting a compelling rental application cover letter is your chance to shine in the competitive rental market. By blending personal insights with key information and adding a dash of charm, you’ll increase your chances of making a lasting impression.

Remember, this is more than just a formality; it’s an opportunity to stand out and secure your future home.

Rod Callaghan

I have 30+ years of industry experience working in real estate sales and auctioneering. I’ve been training and assessing real estate, business and construction courses for 12+ years now. My goal is to find out how I can help you advance your career or business!

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Rental Application Cover Letter

This Rental Application Cover Letter can be used by one or more tenants that are applying to rent a residential property such as a house or apartment .

In today's competitive rental market, landlords are often overwhelmed with rental applications. Tenants need to make an effort to stand out from the pack, and landlords are on the lookout for tenants that are well organised and professional . A cover letter is the first thing the landlord will see , so it is important that tenants take the time to prepare a high quality cover letter. This document will help tenants to do that.

The letter allows the tenants to present themselves in a professional and appealing manner. It gives them the chance to summarise their situation such as in relation to employment and previous rental properties, and it also lets them list the various documents that they may be providing to the landlord (such as a Rental Application Form , references, copies of payslips, and credit checks).

How to use this document

In this letter, tenants can enter their crucial information such as their personal contact details and information about their employment or other sources of income . They can summarise their rental history and list all of the documents that they are providing to the landlord.

If they have rented properties in the past, then many tenants get their previous landlords to provide a reference using our Rental Reference document. These references can then be attached to this letter.

In addition, many landlords require tenants to prepare a rental application form using our Rental Application Form for Residential Property . This application form can also be attached to the letter. Even if the landlord has not asked for it, many tenants choose to prepare a rental application form anyway , as it helps their application to stand out and impress the landlord .

Tenants may also attach copies of some recent payslips , to show the landlord that they earn enough to cover rent.

Many tenants also obtain a credit report from a reporting agency such as Equifax , and attach a copy of this credit report with the letter.

Once the letter and other attachments have been prepared, the tenant can provide them to the landlord, either by email, post or in person. If the landlord uses a property manager, then they can be delivered to the property manager on the landlord's behalf.

If the landlord or property manager has specified a particular procedure that tenants should use to apply for the property, then tenants should follow this procedure. For example, some landlords have specific forms that they want tenants to fill out, or other specific information that they want tenants to provide.

Applicable law

Each state and territory also has its own legislation regarding residential tenancies.

Further information or legal assistance, particularly in relation to residential properties is available from consumer affairs offices, tenant unions or tenant advice services in each state and territory. Community legal centres may also provide assistance.

In some cases, real estate agents may be covered by the Privacy Act 1988 (Commonwealth) . For example, if they have an annual turnover of more than $3 million then they may be covered. Or if they opt-in to the Privacy Act 1988 (Commonwealth) then they will be covered. If the Privacy Act 1988 (Commonwealth) applies, then there will be restrictions in relation to what sort of information can be collected and how it should be handled. The Office of the Australian Information Commissioner provides further information.

How to modify the template

You fill out a form. The document is created before your eyes as you respond to the questions.

At the end, you receive it in Word and PDF formats. You can modify it and reuse it.

A guide to help you: How to Send a Letter

Rental Application Cover Letter - sample template

Country: Australia

Housing and Property - Other downloadable templates of legal documents

• Request for a Rent Payment Extension or Discount for Residential Lease
• Rent Increase Notice
• Letter to Neighbour About Nuisance
• Letter to Request Return of Residential Tenancy Deposit
• Tenant's Letter Giving Notice to End Tenancy
• Rent Receipt
• Late Rent Notice
• Licence Agreement - Holiday Rental
• Roommate Agreement
• Rental Reference
• Rental Application Form for Residential Property
• Letter Offering Lease Renewal
• Rent Reduction Notice
• Letter Confirming Receipt of Deposit
• Letter Refusing to Return the Deposit at the End of Tenancy
• Tenant Maintenance Request Letter
• Letter Reporting Hidden Defects in a Rented Property
• Other downloadable templates of legal documents

How to write a great cover letter for a rental application

Renting a great apartment in Australia can be challenging. And this makes the competition for available spaces a lot tighter. An essential part of the application process undertaken by prospective tenants is writing a great cover letter.

A cover letter for tenants is just like cover letters for job applications. Yes! That's why it sounds so familiar. The goal of a cover letter is to present the tenant in the best light to the landlord. The cover letter summarises all of the crucial facts and details in the application, demonstrating why someone would be a good tenant.

When writing a cover letter, there are several factors, but the best one might be sufficiently answering the all-important question house owners ask, ""Why is this property right for you?"". Essentially, they want to see good reasons why the tenant thinks the property is a right fit for them. After all, it's a lot more than a casual decision.

What should a cover letter include?

There are a variety of metrics or boxes required to tick when writing a winning cover letter.

A cover letter should be addressed to the person in charge of the tenancy and include the following information:

Data about the applicant

Some information about their hobbies and lifestyle

Working background and other personal information

Tenants should also describe why they're moving and think they'd enjoy the property. Make sure to include the property's exact address.

You also need to show you understand your obligations as a tenant and why you believe you would make an excellent fit for the landlord's home - adding photographs can build a personal connection between the property manager and the intending tenant. Putting a face to the profile helps make the information real.

Michelle Wilde, the principal of Stella Property in Queensland, an experienced professional in the business, states that applicants must demonstrate that the prospective tenant can pay on time, be responsible, and care for the property. ""If a renter has had a problem or disagreement with a former property manager, it is the biggest red flag"".

Why is this property right for you?

On many application forms, tenants are asked to respond to a basic question: ""Why is this property appropriate for you?""

The key is to get personal about your answer. An answer genuinely enveloping how you feel about the property would resonate better with the property manager than an answer that sounds robotic and cliche. Also, remember not to get carried away; the letter should remain as formal as possible.

Furthermore, this question is a method for candidates to talk frankly and honestly about why they desire the property. It is a one-shot chance to pitch to the property manager, so it's important to convey your feelings as accurately and convincingly as possible.

Trish Mewett, a Jim's Real Estate franchisee, advised potential renters to talk passionately about how the home fits into their lives. ""Speak from the heart, but don't go overboard to the point where it seems implausible, since this may put managing agents off your application.""

Example of a cover letter for a rental

Here's an example of a good cover letter.

—------------------------------------------------------------------------------------------------------

(Applicant current address)

(City, postcode)

(Phone number)

(Agent name)

(Agent address)

Subject; Application cover letter for (address of property)

Dear (name of property manager or landlord)

My name is (applicant name), and I would like to formally apply for the rental property at (address) as advertised at (URL).

I previously lived at (address) for (amount of time) and paid (amount of weekly) rent. Before that, from (start date) to (end date), I lived at (address). Both properties were rented, and I have included my previous landlords as references in my attached application.

I work (full-time/part-time) and earn (amount) weekly, so I am more than able to cover the (amount) weekly rent. I have been employed for (time period) and consider my employment status as secure, and myself to be financially buoyant.

I crave the opportunity to bring more ease into my life, so I'm particularly interested in this property because of the nearby amenities, proximity to public transport and easy commute to my workplace.

I am quiet, reserved and respectful of others' privacy and have always had good relationships with my previous landlords, who are very happy and readily available to speak to that.

My reserved demeanour doesn't stand in my way of being a great neighbour, and although I enjoy socialising every now and then, I like my home to be a peaceful place.

I have included the rental application and all relevant identification documents along with my cover letter.

I'm looking for a stable tenancy and hope you will consider my application favourably. If you have any concerns or questions, please do not hesitate to contact me.

(Applicant signature)

(Applicant name, typed)

(Applicant phone number)

(Applicant email address)

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Cover letter for rental application

Cover letters are not required in rental applications. However, it can be helpful to write a letter to the landlord introducing yourself and anyone else who will be living at the property. Note what you like about the property and why you would be a good choice as a tenant. See also Factsheet 2: Starting a tenancy .

[Your Name] 

[Current Address] 

[Landlord/Real Estate Agent’s Name] 

Dear [Landlord/Real Estate Agent’s Name], 

I am interested in renting your property at [Address]. 

I am currently living at [state where you are currently living] and I am looking for [type of house or apartment you need and are looking for]. 

I would really like to rent this property because [Indicate why you are interested in the property and why you want to live there, e.g. It is in a great location with a friendly local community].

I am a responsible renter. [State who you are as a tenant or renter, focussing on qualities that would make you someone they would like to rent to, e.g. I am responsible, mature, considerate, clean, respectful]. 

If you would like to discuss my application further please do not hesitate to call me at [your phone number] or send me an email at [your email address]

Thank you so much for considering my rental application. I am looking forward to hearing from you. 

Sincerely, 

[Signature] 

[Your Name]

[Your phone number]

[Your email address]

RELATED RESOURCES

• Factsheet 01: Residential Tenancies Act
• Factsheet 02: Starting a tenancy
• Factsheet 03: Bond
• Factsheet 18: Transfer and sub-letting
• Koori Tenants Factsheet 1: When you start renting

Sample letters

• Repairs before tenancy
• Rental history letter
• Character reference

Other resources

• Complaints to Fair Trading
• Easy Read factsheets
• Emergency accommodation info
• Financial assistance for renters
• International students resources
• New Renters Kit
• Rent Converter
• Renting with pets in NSW
• Share Housing Survival Guide
• Tips: Negotiating with the landlord
• Tips: Take photos when moving in or out
• Useful links – housing organisations, legal services, government
• Starting a tenancy

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Landlord Cover Letter Example

Writing a cover letter for a landlord position can feel like a challenge, but with a few tips and an example letter, you can craft a successful and professional letter. A well-written cover letter can be crucial for standing out from the competition and significantly increasing your chances of securing the job. This guide will provide all the knowledge and resources you need to create an effective and comprehensive letter that will get you noticed and considered for the position.

If you didn’t find what you were looking for, be sure to check out our complete library of cover letter examples .

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Landlord Cover Letter Sample

Dear [Landlord],

I am writing to express my interest in renting [Apartment Address]. I understand that you recently made it available and it has all the features and amenities I am looking for in a home.

I have been living in [Current Address] for the past [length of time] and have been a renter in good standing since then. I am employed full- time as a [Job Title] and make an annual salary of [annual salary]. I believe my financials demonstrate that I am a responsible tenant who is able to make rent payments on time.

In addition to my financials, I am an excellent tenant who values cleanliness, respect for the space, and staying within the confines of the rules and regulations set by the landlord. I am also a keen communicator and would be more than happy to address any concerns you may have.

I am confident that I would be a great addition to your tenant pool and look forward to hearing from you to discuss the rental agreement.

Thank you for your time and consideration.

[Your Name]

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What should a Landlord cover letter include?

A landlord cover letter should include several key elements in order to be effective and stand out to potential tenants.

• A professional greeting – Start your letter by introducing yourself, the property you are representing, and your position as the landlord.
• A brief introduction – Summarize your rental property, such as the size, location, and amenities.
• Reason for writing – Explain why you are sending the cover letter, such as providing details about your rental property and why you believe it would be a great fit for a potential tenant.
• Your qualifications – Include any professional certifications or landlord experience that you have that would make you a good landlord.
• Desired outcome – Clearly state what you want from the prospective tenant, such as the type of lease agreement you would like to enter into or any requirements for the tenancy.
• Contact information – Provide your contact information so the tenant can reach you with any questions.
• Closing thoughts – Thank the recipient for their time and consideration, and encourage them to reach out to you if they have any questions.

Landlord Cover Letter Writing Tips

Writing a cover letter is a great way to show potential landlords that you are serious about renting their property. A well- crafted cover letter can make a landlord more likely to consider your rental application. Here are some tips to help you write an effective cover letter when applying for a rental property:

• Provide an introduction that explains who you are and why you are interested in renting their property.
• Describe your rental history in detail. Explain how long you have been renting, any issues you may have had as a tenant, and any rental references you may have.
• Explain why you would make an ideal tenant. Focus on your positive qualities and why you are a reliable tenant.
• Provide evidence of your ability to pay rent. Include a copy of your bank statements or other financial documents that show you have the means to pay rent.
• Show that you understand the landlord’s policies. Read their rental agreement and explain how you will abide by their rules.
• Reference any documents that you have attached.
• Include a polite closing. Thank the landlord for considering your rental application.

By following these tips, you can write an effective cover letter to help you stand out from other applicants. Make sure to double- check your letter for any errors before sending it to the landlord. Good luck!

Common mistakes to avoid when writing Landlord Cover letter

Writing a landlord cover letter can be tricky as there are many factors to consider when crafting a good one. To ensure you create an effective and professional letter, here are some common mistakes to avoid:

• Not customizing the letter: A general, generic cover letter won’t cut it when writing a landlord cover letter. Your cover letter should be tailored to the specific property and the landlord’s needs. Include information about why you are the perfect fit for the property and the type of tenant they’re looking for.
• Not including enough detail: Your cover letter should include enough detail to give the landlord a clear picture of who you are. Include information about your employment and financial status, current residence, and other relevant background information.
• Not making a personal connection: Whenever possible, make a personal connection with the landlord. Mention any mutual connections you may have, or any experiences you’ve had in the past that might be of interest to the landlord.
• Not proofreading: As with any written document, it’s important to proofread your cover letter for typos and grammar mistakes. Spelling errors and incorrect punctuation can give the landlord a bad impression, so make sure your cover letter is error- free.
• Not following instructions: Make sure you follow all the instructions given by the landlord. If there’s a specific format for the letter or additional information that needs to be included, make sure you follow the instructions to the letter.

By avoiding these common mistakes, you can ensure that your landlord cover letter is effective and professional. With a well- written letter, you’ll have a better chance of getting the property you want.

Key takeaways

Writing an impressive landlord cover letter can be a daunting task, but following these key takeaways will help you to craft the perfect letter and make sure that your application stands out from the competition.

• Demonstrate your passion for the field: Show your enthusiasm for being a landlord by talking about why you’re interested in the position and what unique skills you can offer.
• Highlight your relevant experience and achievements: A cover letter is a great opportunity to show off your career accomplishments. Talk about any relevant experience you have in property management, customer service, or conflict resolution.
• Emphasize your communication skills: Landlords must be able to communicate effectively with tenants and other stakeholders, so make sure to showcase your strong communication and interpersonal skills.
• Explain why you’re the perfect fit: Use your cover letter to explain why you’re an ideal candidate for the position. Talk about your experience, knowledge, and commitment to providing quality customer service.
• Keep it concise and to the point: Landlord cover letters should be kept to a maximum of one page. Avoid adding unnecessary details and stick to the facts.

Frequently Asked Questions

1.how do i write a cover letter for an landlord job with no experience.

Writing a cover letter for an landlord job, even with no experience, can seem daunting. But don’t worry! The key is to focus on your transferable skills and any relevant academic experience that can make you a great fit for the role. Start by introducing yourself and your interest in the position. Explain why the job is a good match for your skills and experience, and emphasize the qualities that make you a great candidate. Include references to any relevant certifications or awards you have received, and mention any volunteer or organizational activities where you have held a leadership role. Finally, express your enthusiasm for the opportunity and your commitment to being an effective landlord.

2.How do I write a cover letter for an Landlord job experience?

When writing a cover letter for an landlord job with experience, focus on your knowledge and expertise in the field. Give concrete examples of how you have used your skills to help landlords succeed. Include specific details about projects or accomplishments you have achieved, and explain how your experience can be beneficial for the landlord in their job. Be sure to emphasize how your skills and abilities can help them achieve their goals and objectives. Make sure to conclude your letter with a call to action, encouraging the reader to contact you for an interview.

3.How can I highlight my accomplishments in Landlord cover letter?

When highlighting your accomplishments in a landlord cover letter, be sure to clearly explain the impact that your achievements had. Have examples to back up your claims and be sure to focus on results. Detail the steps you took to accomplish a task and explain the outcomes. Share any awards or commendations you have received related to your work, and provide evidence of your leadership abilities. Showing the reader that you have tangible successes in the field will demonstrate your value as a landlord.

4.What is a good cover letter for an Landlord job?

A good cover letter for an landlord job should emphasize your qualifications and experience in the field. Begin by introducing yourself and explaining why this job is a good fit for your skills. Focus on your unique qualifications and emphasize the qualities that make you a great candidate. Include concrete examples of successes you have achieved in previous roles, and provide evidence of your leadership abilities. Demonstrate your knowledge of the landlord’s needs and express your enthusiasm for the opportunity. Finally, end your cover letter with a call to action, asking the reader to contact you for an interview.

In addition to this, be sure to check out our cover letter templates , cover letter formats ,  cover letter examples ,  job description , and  career advice  pages for more helpful tips and advice.

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How to Describe Yourself to a Landlord Examples and Tips

Key takeaways: Renters should highlight their strengths and qualifications as a renter in their cover letter like being reliable, organised and clean. Use online proofreading tools to check for errors and typos before submitting the cover letter to the landlord or property manager Make sure to include all the necessary documents like your ID and reference letters which will demonstrate the positive qualities.

Looking for examples of how to describe yourself to a landlord? We’re here to help you out.

When applying for a rental property, it’s crucial to make a good impression on the landlord or property manager. After all, there are certain qualities an applicant can have that can appeal to a landlord .

In our article, you’ll:

• Learn how to craft an effective cover letter
• See examples of how to to describe yourself to a landlord
• Learn how to put together a winning renter resume
• Understand how to present a strong rental application

How to Describe Yourself to a Landlord Examples

• Responsible and Reliable : “As a tenant, I pride myself on being highly responsible and reliable. I always pay my rent on time and take care of the property as if it were my own. You can count on me to be a respectful and trustworthy tenant.”
• Organised and Clean: “I am an extremely organised and clean individual. I believe in maintaining a tidy living space and ensuring that the property is well-maintained. I will keep my unit clean and follow any cleaning guidelines or schedules provided.”
• Respectful and Considerate: “Respect and consideration are values I hold dear, especially when it comes to living in a shared community. I understand the importance of being mindful of noise levels, being courteous to neighbors, and respecting the property and its rules.”
• Excellent Communication Skills: “I pride myself on my excellent communication skills. I am always prompt in responding to any landlord or property management inquiries. I believe that clear and open communication is key to maintaining a positive landlord-tenant relationship.”
• Financial Stability: “I can assure you of my financial stability. I have a steady source of income, and I am prepared to provide proof of employment and income verification if necessary. Rent payment will always be a top priority for me.”
• Non-Smoker and No Pets: “I am a non-smoker and do not have any pets. I understand and respect any policies or regulations regarding smoking and pets in the building. You can rest assured that there will be no disruptions or damage caused by smoking or pets.”
• Long-Term Tenant : “I am looking for a long-term rental situation where I can settle in and make your property my home. Stability and a sense of community are important to me, and I believe in fostering a positive and lasting relationship with my landlord.”

Renter Cover Letter Example 1: Standard tenant with no pets

Here is an example of how to describe yourself to a landlord through a cover letter:

“Dear Mr./Ms. Landlord,

I am writing to express my interest in renting your property at [address]. I have been living in the [city] area for the past 5 years and have a clean rental history. I am currently employed as a [job title] at [company name] and have a stable income.

I am a responsible and reliable tenant. I always pay my rent on time and take good care of the property. I am also a quiet and respectful person who would be a good neighbor.

I am looking for a property that is close to my work and has a good amount of space. I am also interested in renting a property that allows pets.

I have attached a copy of my rental application and references. I would be happy to answer any questions you may have.

Thank you for your time and consideration.

Sincerely, [Your Name]”

Renter Cover Letter Example 2: Standard tenant with a pet

Here is an example of how to describe yourself to a landlord through a cover letter when you have a pet:

“Dear [Landlord’s Name],

I am writing to express my interest in [address of the rental property], as advertised. I am currently seeking a new home that is friendly for both myself and my pet, and your property seems like an ideal fit.

A bit about myself: I am a [your profession] with a stable job at [Your Company Name], which I have been with for [number of years/months]. I am known for being a quiet, clean, and respectful tenant, and I take great pride in maintaining the cleanliness and integrity of my living space.

Regarding my pet, [pet’s name], they are a [breed/age of pet] and have been with me for [number of years/months]. [Pet’s Name] is well-trained, friendly, and up-to-date on all vaccinations. I am very conscious of the responsibilities that come with pet ownership, particularly in a rental setting. I ensure that [Pet’s Name] is well-behaved and does not cause disturbances. Additionally, I am committed to adhering to any pet policies you have in place and am willing to discuss any concerns or requirements you may have.

I am happy to provide references from my previous landlords and employer to attest to my reliability and the well-being of my pet in a rental environment. I am also willing to pay a pet deposit, if required.

Thank you for considering my application. I am enthusiastic about the opportunity to rent [address of the rental property] and hope to discuss this further with you. Please feel free to contact me at [Your Phone Number] or [Your Email] to arrange a meeting or if you need any more information.

[Your Name]”

Understanding the Rental Application Process

When looking for a new place to rent, it’s important to understand the rental application process. In a competitive rental market, having a clear understanding of what landlords are looking for can help applicants stand out from the crowd.

Renters should also be aware of any legal aspects of the rental process, such as tenant rights and landlord responsibilities.

Most landlords will require prospective tenants to fill out a standardised application form. These forms typically ask for:

• Personal information
• Employment history
• Rental history
• Proof of income or a credit report (optional)

It’s important to be honest and accurate when filling out these forms, as any false information could result in the application being rejected.

In addition to the application form, landlords may also ask for additional documentation , such as proof of income or a credit report. Applicants should be prepared to provide these documents if requested.

One way to stand out in the rental application process is to provide a rental resume or cover letter. This can give landlords a better idea of who the applicant is and why they would make a good tenant. The rental resume or cover letter should include information about the applicant’s:

Overall, In a competitive rental market, it’s vital to understand what landlords are looking for in an application. By understanding this, you can make your rental application stand out .

4 Key Parts of a Perfect Renter Resume

When searching for a new rental, it’s important to make a good impression on potential landlords. A renter resume is a document that highlights a renter’s qualifications, experience, and goals as a tenant.

1. Objective Statement

• What you’re looking for in a rental
• Your long-term goals as a tenant
• Why you are a reliable tenant

2. Personal Information

• Contact information
• Date of birth
• Any pets you have (some landlords have pet policies that restrict certain types or breeds of animals)

3. Education and Employment History

This section should include any relevant education or job experience that demonstrates the renter’s ability to be a reliable tenant.

It’s important to be honest and accurate when listing education and employment history, and to avoid making exaggerated or false claims.

This is when the ‘ please share a few details about your history as a renter ’ question can be answered.

4. References

Include: The names and contact information of at least two references who can vouch for the renter’s character and reliability as a tenant.

Suggested reading: Learn more about what to include in a renter resume in Soho’s full guide.

5 Steps to Writing an Effective Cover Letter

When applying for a rental property, it is important to write an effective cover letter to show the landlord that you are a serious and responsible tenant.

A cover letter is a great way to introduce yourself and explain why you are interested in the property. You can also use our guide on rental application tips for more detailed info.

An essential part of your cover letter is explaining why this rental property is right for you . Be specific and genuine, as this helps landlords understand why you’re a great fit for their property.

Renters should also be sure to proofread their letter for any errors or typos before submitting it to the landlord or property manager. You can use online tools like Grammarly or AI tools like Chat-GPT.

Here are a few tips to help you write an effective cover letter:

1. Be concise and to the point

Keep your cover letter brief and to the point. The landlord will likely receive many applications, so you want to make sure that your letter stands out.

2. Explain why you are interested in the property

Let the landlord know why you are interested in the property. Is it the location, the amenities, or the size of the apartment? Be specific and show that you have done your research.

3. Highlight your positive qualities

Use your cover letter to highlight your positive qualities as a tenant. Are you responsible, reliable, and respectful? Let the landlord know.

4. Provide references

If you have rented before, provide references from previous landlords. This will show the landlord that you are a good tenant and can be trusted.

5. Thank the landlord

End your cover letter by thanking the landlord for considering your application. This will show that you are polite and respectful.

Standing Out in the Rental Market

In today’s competitive rental market, it’s essential to make a great first impression on landlords. One great way to stand out is by describing yourself as the best tenant in a cover letter. A cover letter allows you to introduce yourself and explain why you would be an ideal tenant for the property.

When writing a cover letter, it’s important to:

• Tailor it to each property you apply to
• Highlight information that is most relevant to the specific landlord or property
• Drop a few lines about your lifestyle and say what kind of person you are. If your background is not impeccable, provide a brief explanation of why you had issues in the past and what you did to fix them.
• Be genuine in your cover letter
• Avoid making exaggerated or false claims. Instead, focus on your strengths and why you would be a great tenant for the property.

Overall, standing out in the rental market requires a keen interest in renting and a willingness to put in the effort to make a great first impression on landlords.

Presenting a Strong Rental Application

When it comes to securing a rental property, presenting a strong rental application is key. A well-crafted rental application letter can help a potential tenant stand out from the crowd and demonstrate their qualifications as a responsible and reliable renter.

To create a strong rental application, there are a few tips that can help. First, it’s important to provide all the requested information in a clear and concise manner. This includes personal information, employment details, and rental history. Providing references from previous landlords or employers can also help demonstrate a tenant’s reliability.

Additionally, it’s important to tailor the rental application letter to the specific property and landlord. This can include highlighting relevant skills or experiences that make the tenant a good fit for the property, or addressing any concerns or questions the landlord may have.

Overall, presenting a strong rental application requires a combination of confidence, knowledge, and attention to detail. By following these tips and presenting themselves as a qualified tenant, potential renters can increase their chances of securing their ideal rental property.

Demonstrating Responsibility and Professionalism

When introducing oneself to a landlord, it is important to convey a sense of responsibility and professionalism. This will show that the tenant is likely to pay rent on time and take care of the property. Here are some ways to demonstrate responsibility and professionalism:

• Provide a rental resume: A rental resume is a document that outlines a tenant’s rental history, employment history, and other relevant information. It shows that the tenant has taken the extra step to be prepared and organized.
• Be clear about income: Landlords want to know that their tenants can afford to pay rent. Tenants should be upfront about their income and provide proof if necessary.
• Provide references: Providing references from previous landlords or employers can show that the tenant has a history of being responsible and reliable.
• Be respectful: Tenants should be respectful of the landlord’s time and property. They should be punctual for appointments and take care not to damage the property.
• Communicate effectively: Good communication is key to a successful landlord-tenant relationship. Tenants should be clear and concise in their communication and respond promptly to any requests or concerns from the landlord.

By demonstrating responsibility and professionalism, tenants can increase their chances of being selected as a tenant and maintaining a good relationship with their landlord.

Understanding Legal Aspects

When renting a property, tenants must understand the legal aspects of their lease agreement to avoid any issues with their landlord. Here are some key legal aspects that tenants should be aware of:

Lease Agreement

A lease agreement is a legally binding contract between the landlord and the tenant. It outlines the terms and conditions of the rental agreement, including the rent amount, security deposit, length of the lease, and any other rules and regulations. Tenants should carefully review their lease agreement before signing it to ensure that they understand their rights and responsibilities.

Fair Housing Act

The Fair Housing Act is a federal law that prohibits discrimination in housing based on race, color, national origin, religion, sex, familial status, or disability. Landlords must comply with this law and cannot refuse to rent to tenants based on any of these characteristics. If a tenant feels that they have been discriminated against, they can file a complaint with the U.S. Department of Housing and Urban Development.

Bond Immediately Upon Acceptance

In some cases, landlords may require tenants to pay a bond immediately upon acceptance of their rental application. This bond is typically equal to one month’s rent and is held by the landlord as security against any damages or unpaid rent. Tenants should ensure that they receive a receipt for their bond payment and that it is clearly stated in their lease agreement.

Tenants should also be aware of their legal rights and responsibilities when renting a property. They have the right to a habitable residence, which means that the property must be safe to live in and have usable heat, utilities, and water. If there are any necessary repairs, the landlord is responsible for fixing them in a timely manner.

In summary, tenants should be confident and knowledgeable about the legal aspects of their lease agreement. They should review their lease agreement carefully, understand their rights and responsibilities, and comply with all applicable laws and regulations.

Providing References and Documents

When applying for a rental property, it is important to provide the landlord with all the necessary references and documents. This will help the landlord get a better idea of who you are as a tenant and make the application process smoother. Here are some important documents and references that you should consider providing:

Letter of Reference

A letter of reference from a previous landlord can go a long way in helping you secure your desired rental property. This letter should highlight your positive qualities as a tenant, such as paying rent on time, taking care of the property, and being respectful of neighbours. If you do not have a previous landlord, you can ask a current employer or colleague to write a letter of reference for you.

Identification Documents

You will need to provide a copy of your identification documents to the landlord, such as your driver’s license or passport. This will help the landlord verify your identity and ensure that you are legally allowed to rent in Australia.

Rental Reference Letters and Contact

If you have rented a property before, it is a good idea to provide rental reference letters from previous landlords. These letters should include information about how long you rented the property, how much rent you paid, and whether you were a good tenant. You should also provide the contact information for these landlords so that the landlord can verify the information.

Copies of All Your Identification

It is important to provide copies of all your identification documents to the landlord, as this will help them verify your identity and ensure that you are legally allowed to rent in Australia. This includes your driver’s license, passport, and any other relevant identification documents.

Overall, providing all the necessary references and documents can help you stand out as a responsible and trustworthy tenant. By being organized and prepared, you can increase your chances of securing your desired rental property.

Frequently Asked Questions

What are some important qualities landlords look for in potential tenants.

Landlords typically look for tenants who have a good credit score, stable employment, and a clean rental history. They also prefer tenants who are responsible, respectful, and can pay rent on time.

How can I make a good first impression when introducing myself to a landlord?

To make a good first impression, dress appropriately and be on time for the appointment. Be polite and respectful, and show interest in the property. Answer questions honestly and provide references if requested.

What should I include in a letter of interest to rent a property?

In a letter of interest, include your name, contact information, and a brief introduction of yourself. Mention why you are interested in the property and what makes you a good candidate. Provide references and any other relevant information that may help you stand out.

Can you provide an example of a tenant bio that would impress a landlord?

“I am a responsible, reliable tenant with a stable job and excellent rental history. I take pride in maintaining a clean and tidy living space and always pay rent on time. I am also respectful of my neighbours and always follow the rules and regulations set by the landlord. I am confident that I would make an excellent tenant and take great care of your property.”

What are some tips for selling myself to a landlord during a rental application process?

Be honest and transparent about your rental history, employment, and financial situation. Provide references and any other relevant information that may help you stand out. Show interest in the property and ask questions to demonstrate your enthusiasm.

What should I say in an email to a landlord to express my interest in renting their property?

In an email, introduce yourself and express your interest in the property. Provide your contact information and ask any questions you may have. Thank the landlord for their time and consideration and express your willingness to provide any additional information they may need.

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6 cover letter tips for a winning rental application

Michael Gilbert

February 2022

Are you applying for a rental property? Most application forms will give you one free spot to write a cover letter. Don't stuff it up!

It's your chance to stand out and put the human element into your application.

After all, to this point, no machines have yet to approve a rental application. Humans do, so make yourself relatable.

How much do you love the property? Why?

Don't just say we like the outdoor area, be emotive. Explain why you are obsessed with the property.

Why is this important:  The more you love the property, the more likely you'll care for the property and want to stay longer.

Tell them enough about you and your household to build an emotional connection with you.

Warning: Don't tell them your life story - just tell them enough. For example, don't tell them how many properties you have applied for, that's not relevant.

Why are you moving?

Rental managers want to know that you are suitable for the property and that your move makes sense. They want to create a story in their head about why this property is right for you. Knowing why you're moving is a critical element to putting the pieces together.

This might seem like micro managing your life but many people apply for properties because they are desperate, then later on move out because it's not right for them. No owner or manager wants this because it costs them money to find new tenants.

Tie it all together

If you think anything in your application may not make sense to someone reading it or put you in a negative light, mention it in your cover letter. For example, if you don't have proof of income because you have just started at your new job, say it in your cover letter, don't let them make up their own mind.

Sell sell sell

Sell yourself but don't be sleazy, desperate or waffle. Explain why and give any additional evidence to show you will pay the rent, look after the property and be easy to deal with. Just one or two quick liners might be enough.

Keep it as short as possible

It doesn't mean you need to keep it under 100 words, but you want every line to be relevant. So use the least amount of words to covey the above points.

Related posts

Are you applying for a rental property? Most application forms will give you one free spot to write a cover letter. Don't stuff it up! These 6 tips will help you write a great cover letter that gets your application approved.

How to get approved for a rental property with a private landlord reference

As a real estate agent, if I could only do one thing when screening a rental property, I would ask the current agent...‍Would you rent to them again?‍If the answer is Yes! You're approved. Welcome to your new home.‍Note the keyword in that first sentence - 'agent'.‍Private landlord references come with a much lower weight than a reference from an agent.

How to get approved for a rental property by exploiting your renting experience

With a quick google, you will notice most articles on the web focus on helping you get approved for a rental property if you have no renting experience. Not this one. I will show you how to outshine your competition by taking advantage of your renting experience through a real estate agent.

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The Renter Cover Letter Toolkit

April 7, 2022

The affordable rental housing crisis in Ontario has forced many people to compete for the few places they can afford. Renters shouldn’t be forced into such situations, but many wonder how to make their rental application stand out. One way to do this is by including a renter cover letter with your application.

Before writing your renter cover letter, it’s important to understand how some information that you provide could be used to discriminate against you, potentially leading to a rejection of your rental application.

To help avoid discriminatory outcomes, the Canadian Centre for Housing Rights (CCHR) has developed this toolkit, including two cover letter templates, to help you put your best foot forward, while avoiding some of the pitfalls that can impact your rental application.

• What a renter cover letter is and why it can help.
• Types of information landlords are allowed to request from prospective tenants .
• Types of information that could lead to a discriminatory outcome.
• What to do if you are asked discriminatory questions.
• Types of information that you may want to include or exclude from your letter.
• Two renter cover letter templates

1. What a renter cover letter is and why it can help

A renter cover letter is a way to introduce yourself to a landlord, and to tell them what makes you the tenant they should consider.

Our sample letters outline the types of information that landlords often request from prospective tenants, as well as some helpful information that you may want to provide to help your application stand out:

Contact information

• Your rental objective
• Information about yourself

Rental history and references

Credit history

Proof of income

Unfortunately, there are very few affordable rental homes in Ontario for those living on lower incomes. Many renters are forced to compete with one another for the few places they can afford. Renters should not be forced into such situations, and the long-term solution is for our governments to solve the housing crisis and provide more deeply affordable housing options.

In addition to a lack of affordable housing, discrimination in housing is also unfortunately still present in Ontario. Sometimes, landlords’ or property managers’ prejudices can lead them to deny an apartment to a household inappropriately.

It is important to note that a cover letter will not change discriminatory behaviours or systemic discrimination. Ending discrimination on a systemic level requires cultural shifts in attitudes and better legal protections.

In the meantime, as we work to bring about systemic change, CCHR has designed this renter cover letter toolkit to help you put your best foot forward, while potentially avoiding some of the pitfalls that can impact your application to rent. You should consider our templates as rough guides which should be personalized with the information you are comfortable providing.

2. Types of information that landlords are allowed to request from prospective tenants

The Human Rights Code prohibits discrimination on many grounds, and it also provides rules on what a landlord is allowed to ask a renter about, with the aim of reducing discrimination.

The Code makes it illegal for landlords and property managers to discriminate against renters on the grounds of race, ancestry, place of origin, colour, ethnic origin, citizenship, creed, sex, sexual orientation, gender identity, gender expression, age, marital status, family status, disability and the receipt of public assistance. It is unlawful to discriminate against people in these groups even when they are applying for a place to rent.

In CCHR’s 2009 report, Sorry, it’s Rented , we found that discrimination in housing was widespread, affecting 14% to 34% of renters looking for a home to rent. Our study also found that where renters are members of more than one minority group, they face greater discrimination.

At the same time, the Code protects tenants by stating that, according to law, landlords are only allowed to ask potential renters for :

• credit references
• rental history information
• credit checks

A credit reference is often a credit check but could also be a letter from a lender or acquaintance who can speak to a tenant’s credibility. Landlords are also allowed to ask about income information – but only after asking about the first three pieces of information. Income information can include information about the amount, source and steadiness of a potential tenant’s income .

3. Types of information that could lead to a discriminatory outcome

Sometimes, even the information that landlords are explicitly allowed to request can be used in a discriminatory way. For example:

• Credit checks can have a discriminatory effect on recent immigrants or young people, who won’t have a significant Canadian credit history.
• The income source can reveal that someone receives public assistance.
• The income amount can lead to landlords applying rent to income ratios; however, rent to income ratios have been found to be discriminatory against large numbers of disadvantaged people, in part because these ratios do not take into account all the various resources that renters may have at their disposal.

So, while landlords may use this information in deciding who to rent to, they must take care to not apply the information in a way that tends to systematically exclude particular groups. This can be especially true in places with a shortage of housing options, where landlords can choose who to rent to within a large pool of applicants.

4. What to do if you are asked discriminatory questions

A landlord is not permitted to use information about a protected characteristic (like gender, disability, sexuality, race or whether an applicant receives public assistance) to deny someone a place to rent. They also should not ask questions that give them information about those traits. If a landlord does ask a question that suggests they may illegally discriminate, you can use several potential responses.

• Point out the discriminatory conduct and decline to answer . If you are asked a question dealing with any of the grounds of discrimination you can highlight to the landlord that the question seems irrelevant or discriminatory and that you would prefer not to answer that question.
• Answer the question . It is an option to simply answer the question.
• Evade and deflect – change the topic . If you are asked whether you receive social assistance, you might say something like, “My income is very steady, I am great at budgeting and have never missed a rent payment. What are the available methods to pay rent?”

Since landlords should not ask discriminatory questions, some advocates say those landlords are not owed a truthful answer. The decision of whether to be deceitful during the tenancy application process is a matter of individual conscience; however, there are risks to lying during a tenancy application and CERA does not condone being deceitful. Tenants thinking about being dishonest during a tenancy application should get legal advice about the risks of doing so.

In any of the above situations, it is prudent to take notes about the questions that you are asked so that you have evidence if you later want to complain about discriminatory conduct.

5. Types of information you may want to include or exclude from your letter

Since it is difficult to find an affordable place to live, renters should consider what type of housing search will work best for them. A renter who provides only the basic information that landlords are allowed to request under the Human Rights Code may be protected against discrimination, but they may have a harder time convincing non-discriminatory landlords to rent to them. In these instances, you may want to opt to provide more information, but this may lead to rejection of your application for discriminatory reasons, which is often hard to prove. Deciding what information to share is a very personal decision.

To account for this, we have produced two cover letter templates that can be adapted for many situations.

The following are key types of information that we have included in our templates.

Make sure to include your own email address and phone number, and any other contact information you are comfortable sharing.

Rental objective

This should be a brief 2-3 sentence statement about your goals in looking for a new rental. Talk about what you’re looking for, what your long-term goals are and why you are a good fit to live in this rental unit.

This section is where you can introduce yourself. You can talk about your background and why you are moving, and if you have any pets or roommates. Try to include flattering information that makes you stand out, like being someone who is quiet, tidy and responsible. You may also include any accessibility accommodations you may need; however, this information could be used in a discriminatory way, and so you may choose to leave out this information.

Include details about your rental history, including address, relevant dates, rent, and reasons for moving. Make sure you include your current / previous landlord’s contact information unless you do not want your new landlord contacting them. Include the names and contact information of 2-3 positive references. Former landlord references are best, but if those are not available, consider asking trusted employers, teachers or co-workers. You may also consider attaching a separate sheet with your rental history. Such a sheet may look like this:

My rental history:

Landlords are allowed to ask for credit references and credit checks. You can order your credit report and score for free from one of Canada’s two credit reporting agencies. Credit references can include letters from business partners, or others who have made loans to you, or any other information that shows the landlord that you will pay your rent and other costs regularly. If you get a credit report, you can include it with your resume.

Once landlords have asked for rental and credit references, they are also allowed to ask for income information. The Human Rights Tribunal has held that landlords can ask for information like the amount, source and steadiness of a potential tenant’s income . Including this information in your renter’s cover letter allows you to frame that information in a way that works best for you. At a minimum, you should provide the current income your household receives, anything beyond that is your choice to disclose. You can also provide proof of income or make it available upon request. Proof of income could include pay slips/stubs, or an employment letter; but it can also include three months of bank statements. Sensitive information like the account number or your expenses can be blacked out by for instance photocopying a version that you have crossed out with a permanent marker.

In your conclusion you can summarize your objective again: that you are a tenant looking for a good apartment and are best suited to live in this home.

6. Two Renter Cover Letter Templates

We have produced two cover letter templates that can be adapted for many situations. Check out our two templates and pick the one that is right for you:

Detailed template

This template includes lots of information that a landlord may request or be concerned with.

Basic template

This template includes the minimum information that landlords are allowed to request under the Human Rights Code.

Get the latest updates about the right to housing in Canada

3.6 RESOURCE: Cover Letter Template

Consider including a cover letter as part of your rental application, even though most landlords will not expect one. This template will help you write a cover letter that will hopefully increase your chances of being chosen as the successful applicant.

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Stand out from the crowd with an AI-Powered Cover Letter

It's 2024 and the Australian rental market is a mess. Prices are sky-high, and affordable housing options are scarce

As a result, people are desperate to secure a place to live and are willing to go to great lengths to do so

With an AI-Powered Rental Reference, renters can quickly and easily generate cover letters that are tailored to their specific needs and situations, giving them a better chance of securing a rental

This revolutionary technology uses advanced AI to help renters create personalized, high-quality cover letters that will make them stand out from the competition

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The Real Estate Commission: How Much Are Agent Fees?

If you hire a  real estate agent  to help you buy, sell, or rent a house, this professional gets paid through the average real estate commission. So how much do you pay, and what for? Is there any wiggle room to negotiate this fee or the  closing costs  associated with it?

Allow us to tell you everything you need to know about real estate commissions,  from who pays  what to where that money goes during a real estate transaction.

Who pays the commission?

Rather than getting paid hourly or weekly fees, most real estate agents earn money only when a real estate deal goes through. Plus, the process can mean weeks or months of work.

In the past, the home seller paid the full commission for the services of both their own  listing agent  and the  buyer’s agent  (assuming the buyer has one).

However, the National Association of REALTORS® recently reached a settlement that went into effect Aug. 17, 2024. It includes several changes between the agent and buyer/seller relationship that benefit homebuyers.

In the past, sellers generally paid the buyer and seller’s agent fees. When the settlement takes effect, buyers will be responsible for compensating their agent.

However, as a seller, you have the choice of offering compensation to the buyer’s brokers. Why would you do this? As a way to make your listing stand out by making it more attractive to buyers.

What does the real estate agent commission cover?

Though people certainly have the option of selling (or buying) their house without a real estate agent, agents provide clients a wide range of services, including helping you price your home, marketing it (on the  multiple listing service , social media, and other venues), negotiating with home buyers, and ushering the home sale through closing.

As trained experts, real estate agents can help you fetch top dollar for your house and put out fires—while also alleviating some of the stress that comes with selling a home. (It’s no picnic!)

Are real estate agent commission fees negotiable?

Commission standards can vary from state to state and among brokerages. There are no federal or state laws that set commission rates—meaning  commission is negotiable .

In other words, if you’re a home seller, you can certainly ask your agent to reduce their commission, but be aware that they are not obligated to do so.

A factor to consider: Because the marketing dollars for a property generally come from the agent’s commission, a lower commission could mean less advertising for your house.

That being said, it doesn’t hurt to ask for a lower commission. Most agents won’t take offense, and the worst case is they say no. Or, if you’re truly tight on cash—say, because you’ve maxed out your budget buying your next home—you could opt for a transactional agreement, in which the listing agent will help you set an asking price, facilitate communication between you and the buyer, write the contract, and move the process along to closing for a flat fee or lower commission, but you won’t receive the agent’s full services. It’s not ideal, but it’s the right route for some people. However, not all agents offer transactional agreements, so you may have to shop around to find one.

Bottom line: Buying and selling a home are likely to be one of the biggest financial transactions of your life, so be sure you find an agent you trust to do a great job. This is not the time to shop solely on price.

Anything else I need to know about commission fees?

The contract you sign when you hire a real estate agent should outline all of the details about the agent’s total commission (and any  transaction fees  the agent charges). This is typically referred to as a listing agreement, and it also specifies how long the agent will represent you. (Listing agreements generally last 90 to 120 days.)

However, there are some exceptions. Firstly,  rental agents work differently  from purchase agents. It’s usually the landlord’s job to pay the rental agent’s fee, but that’s not set in stone.

Furthermore, commission is usually higher when selling a vacant lot (anywhere from 10% to 20%), since selling land often takes longer and requires more marketing dollars. Some auctions charge home buyers a 5% “premium,” or commission.

As a seller, you want a real estate agent who can broker the best sales price and terms for you, but good agents aren’t cheap. As with most things in life, you get what you pay for.

To learn more, check out our  Guide to Real Estate Commissions , which covers everything homebuyers and sellers need to know.

Daniel Bortz has written for the New York Times, Washington Post, Money magazine, Consumer Reports, Entrepreneur magazine, and more. He is also a Realtor in Virginia.

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White House lawyers who advised Reagan, Bush endorse Harris over Trump in 2024 showdown

Trump 'remains unfit, dangerous and detached from reality,' say the former gop white house lawyers.

Kamala Harris promises to be a president for all Americans

Vice President Kamala Harris delivers remarks at the 2024 Democratic National Convention after formally accepting the nomination for president. 

FIRST ON FOX: A dozen Republican White House lawyers who served in the administrations of then-Presidents Ronald Reagan, George H.W. Bush and George W. Bush are endorsing Vice President Kamala Harris in her race against GOP nominee former President Donald Trump.

"We endorse Kamala Harris and support her election as President because we believe that returning former President Trump to office would threaten American democracy and undermine the rule of law in our country," the lawyers wrote in a letter that the signatories shared first with Fox News Digital.

The letter was released on Friday, the day after Harris delivered her nomination acceptance speech in the culminating moment of the Democratic National Convention, which was held in Chicago.

HARRIS TAKES AIM AT TRUMP AS SHE VOWS ‘TO BE A PRESIDENT FOR ALL AMERICANS’

Democratic presidential nominee and Vice President Kamala Harris takes the stage on Day 4 of the Democratic National Convention at the United Center in Chicago, Illinois, on August 22, 2024.  (REUTERS/Mike Segar)

The signatories added that "we urge all patriotic Republicans, former Republicans, conservative and center-right citizens, and independent voters to place love of country above party and ideology and join us in supporting Kamala Harris."

The list includes Michael Luttig, the prominent right-of-center legal scholar and retired federal appeals court judge who previously served as assistant counsel to the president in the Reagan White House. Luttig made headlines at the start of the week by endorsing Harris as the Democrats' convention kicked off.

WATCH: TRUMP JOINS FOX NEWS FOLLOWING HARRIS ADDRESS 

The letter notes, "Donald Trump’s own Vice President and multiple members of his Administration and White House Staff at the most senior levels – as well as former Republican nominees for President and Vice President – have already declined to endorse his reelection."

Those signing the letter pointed to what they called "the profound risks presented by his [Trump's] potential return to public office. Indeed, Trump’s own Attorney General and National Security Adviser have said unequivocally that Donald Trump is unfit for office, dangerous, and detached from reality."

Former President and Republican presidential nominee Donald Trump points after speaking about national security during a campaign rally in Asheboro, North Carolina, August 21, 2024. (Photo by PETER ZAY/AFP via Getty Images)

And pointing to the then-president's attempts to reverse the results of his 2020 election loss to President Biden, the Republican lawyers argued that "Trump’s attempt to prevent the peaceful transfer of power after losing the election proved beyond any reasonable doubt his willingness to place his personal interests above the law and values of our constitutional democracy."

"We cannot go along with other former Republican officials who have condemned Trump with these devastating judgments but are still not willing to vote for Harris," they added. "We believe this election presents a binary choice, and Trump is utterly disqualified."

And they charged that Trump "was guilty of grave wrongdoing to our Constitution, democracy, and rule of law, and who remains unfit, dangerous, and detached from reality."

Trump's numerous indictments in four different legal cases dating back to the spring fueled support for him among Republicans as he fended off over a dozen challengers for the 2024 GOP presidential nomination.

His fundraising skyrocketed this spring after he was found guilty of all 34 felony counts in the first criminal trial of a former or current president in the nation's history.

CLICK HERE TO GET THE FOX NEWS APP

While Trump easily captured the Republican nomination as he cruised through the GOP's primaries and caucuses, his final rival – former ambassador and former South Carolina Gov. Nikki Haley – continued to win up to 20% of the vote in Republican contests long after she dropped out of the race.

President Biden's campaign – which transformed into the Harris campaign after the president's blockbuster announcement last month that he was ending his re-election bid – has made efforts for months to court Republican voters disaffected with Trump.

The Harris campaign during the four-day convention in Chicago this week showcased Republicans who are supporting the vice president.

Among them were former Georgia Lt. Gov. Geoff Duncan and former Rep. Adam Kinzinger of Illinois.

Former Republican Rep. Adam Kinzinger of Illinois speaks at the Democratic National Convention, on Aug. 22, 2024, in Chicago, Illinois.  (Paul Steinhauser - Fox News )

Trump has dramatically transformed the Republican Party since he first won the GOP nomination and the White House in 2016, turning it from a conservative-dominated party to one where the populist wing of MAGA (Make America Great Again) supporters and followers dominate. 

The list of signatories to the letter, besides Luttig, includes (in alphabetical order) John B. Bellinger III, Senior Associate Counsel to the President and Legal Adviser to the NSC under George W. Bush, Phillip D. Brady, Deputy Counsel to the President under Reagan, Benedict S. Cohen, Associate Counsel to the President under Reagan, Peter D. Keisler, Associate Counsel to the President under Reagan, and Robert M. Kruger, Associate Counsel to the President under Reagan.

Also included are John M. Mitnick, Associate Counsel to the President and Deputy Counsel, White House Homeland Security Council under George W. Bush, Alan Charles Raul, Associate Counsel to the President under Reagan and General Counsel, OMB under Reagan and George H.W. Bush, Nicholas Rostow, Special Assistant to the President for National Security Affairs and Legal Adviser to the NSC under Reagan and George H.W. Bush, Peter J. Rusthoven, Associate Counsel to the President under Reagan, David B. Waller, Senior Associate Counsel to the President under Reagan, and Wendell L. Willkie II, Associate Counsel to the President under Reagan.

Get the latest updates from the 2024 campaign trail, exclusive interviews and more at our Fox News Digital election hub.

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Can a friend's cheque cover your rent in Dubai?

Living in uae.

Thinking of using a third-party cheque for your lease? Read this first

Dubai: Need to apply for a lease on your new home but unable to provide cheques for the rent payment? There may be a possibility that you are able to submit a cheque issued by a friend or family member, but it is critical to follow best practices when getting into such an agreement.

Landlord's consent

According to Celica Escobar, a property consultant at AX Capital real estate, getting a third-party cheque for rent payment on a lease can only be done if there is an agreement between the landlord and the tenant.

Commenting on how often she encounters cases where a client requests to submit a third-party cheque, she said: “This is commonly applicable for clients new to Dubai who are hired directly by their overseas company and are experiencing delays in obtaining their Emirates ID. However, in other circumstances, I advise clients and landlords to view this option as a last resort to avoid potential risks and complications. In my experience, only about 1 in 10 clients end up providing a third-party cheque due to time constraints, such as when their temporary accommodation provided by the company is about to expire.”

This is commonly applicable for clients new to Dubai who are hired directly by their overseas company and are experiencing delays in obtaining their Emirates ID. However, in other circumstances, I advise clients and landlords to view this option as a last resort to avoid potential risks and complications. - Celica Escobar, a property consultant at AX Capital real estate

Essential steps for using third-party cheques

Even if your landlord agrees to accept cheques issued by another person for the lease agreement, it is critical to get all the paperwork in place, as the cheques bring in a major financial liability for your friend and you.

1. Draft a detailed letter to the landlord’s bank

According to Escobar, it is advisable to draft a letter of a third-party cheque addressed to the bank of the landlord with the following format:

- Purpose of the cheque: Clear statement of why the third-party cheque is being issued, indicating the property details. - Details of the transaction: Information about the transaction, including the amount, date, landlord's name account number, cheque numbers. Escobar advised scanning the cheques and attaching them to the letter as a best practice. - Authorisation statement: A confirmation that the third party is authorised to issue the cheque on behalf of the account holder and stating that there are enough funds on the account for the cheque to be cleared and he will be responsible in case there's a bounced cheque. - Contact details of the account holder: Email and local mobile number. - Signature of the account holder.

“The letter ensures that the cheque is valid and provides clarity on the intent and authorisation behind the payment,” she said.

2. Provide identification

You would also need to attach a copy of your friend’s passport and Emirates ID.

If the cheque is coming from a company, Escobar advised adding the following documents:

• Trade licence of the company
• Emirates ID of the owner
• Third-party letter with letterhead and company stamp
• Contact details of the signatory – email and phone number

3. Make sure to add it to the contract addendum

According to Mohamed Rabih Nizam, partner and legal consultant at Dubai-based law firm Hussain Lootah, it is advisable to explicitly state in the tenancy contract that rent instalments will be paid via cheques issued by your friend.

“The contract should clearly reference the cheque number, issuer’s name, and the bank name to establish a direct link between the cheque payment and the corresponding rent instalment,” he added.

He clarified that this best practice could protect both your friend and you in case there are any changes to the lease, like early termination of the contract.

“In the event of early termination of the contract, the cheque issuer (your friend) will have the right to recover any unused cheques. Therefore, it is essential to include a clause in the contract specifying that the recovery of unused cheques is the responsibility of the cheque issuer,” he said.

In the event of early termination of the contract, the cheque issuer (your friend) will have the right to recover any unused cheques. Therefore, it is essential to include a clause in the contract specifying that the recovery of unused cheques is the responsibility of the cheque issuer. - Mohamed Rabih Nizam, partner and legal consultant at Dubai-based law firm Hussain Lootah

What happens if a cheque is dishonoured?

You also need to ensure that the cheques can be encashed on the date mentioned, as a bounced cheque will cause trouble for both your friend and you.

“In the event the cheque is dishonoured, you may be held jointly liable with the issuer for the payment of any unpaid rental instalments. Also, the landlord would be entitled to seek eviction due to non-payment. However, such an eviction claim would require the landlord to serve a legal notice providing a grace period of 30 days. Should the outstanding rental payment remain unpaid after this period, the landlord may initiate an execution case against you to recover the cheque amount. This could result in the imposition of travel bans, the seizure of your assets, and the freezing of your bank accounts. Additionally, if the cheque is dishonoured due to a closed account or a signature mismatch, you may face criminal charges,” Nizam said.

I’ve given cheques for a friend’s lease – how do I protect myself?

Nizam also advised residents who wish to assist a friend or family member by providing cheques to protect their rights, as non-payment can lead to serious legal consequences.

Ideally, you should draft a formal agreement with your friend or family member, to secure your right against the tenant and to recover the amount of the cheques.

“As the issuer of the cheques, you will be held liable for the payment of the rental instalments covered by those cheques. If a cheque is dishonoured, the landlord may initiate an execution case against you to recover the cheque amount. This could result in the imposition of travel bans, the seizure of your assets, and the freezing of your bank accounts. Additionally, if the cheque is dishonoured due to a closed account or a signature mismatch, you may face criminal charges,” he said.

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Buying a House in 2024: What’s Changed?

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At the risk of jinxing it, things are looking up for home buyers.

The average rate on a 30-year fixed rate mortgage has dropped for three consecutive months (and counting). Competition has calmed down a bit — and inflation has, too. And while we’re still technically in a sellers’ market, the inventory of homes for sale in June reached its highest level in more than four years.

Hoping to buy in 2024? If you’re well prepared with a budget and a mortgage preapproval, you might not even need to knock on wood. Let’s look at the good news, the challenges and the wild cards that remain for home buyers this year.

Good news: Mortgage rates drop to a one-year low

Finally, some relief: In the week ending Aug. 15, 30-year mortgage rates dropped to an average 6.28%, their lowest weekly average since February 2023. That’s welcome news for shoppers who have felt burned by high rates — or maybe even put their house hunt on ice until the cost of borrowing cooled down.

Over the past two years, buyers have been at the mercy of mortgage rates’ meteoric rise, holding on as the average 30-year fixed rate climbed from 3% to nearly 7% in 2022. In October 2023, rates topped 8% for the first time since 2000 — a surprise even many top economists didn’t predict. Higher interest rates make it more expensive to get a mortgage.

To put that in perspective: Let’s say you can afford $1,800 per month in principal and interest. At a 7% interest rate, you could afford to borrow $270,600. But at a 6% interest rate, you could afford to borrow $300,200 — nearly $30,000 more — for the same amount per month. When interest rates go down, home shoppers’ purchasing power goes up.

For now, economic signals suggest more positive news for buyers in the latter half of 2024. Dan Moralez, regional vice president at Dart Bank in Holland, Michigan, points to a cooling economy and a potential cut to the federal funds rate. “All of that stuff really lends itself to mortgage rates getting better and the cost to borrow getting cheaper, which is really good for those people who have maybe sat on the sidelines hoping to see rates get better,” Moralez says.

More good news: It’s nearly certain the Federal Reserve will cut the federal funds rate by at least 25 basis points at its next meeting Sept. 17-18, according to CME Group’s FedWatch tool. (A basis point is one one-hundredth of one percent.) While the Fed doesn’t set mortgage rates directly, the federal funds rate influences the cost of long-term loans, including mortgages.

Your strategy: If you’re ready to buy, jump in now

A potential Fed rate cut is welcome news, but in the meantime, it’s not a reason to put off your search. Changes take time to trickle down, so avoid the self-induced pressure of timing the market perfectly. Instead, focus on shopping within your budget right now.

Also: When rates go down, competition goes up — another reason there’s no time like the present to start house hunting.

Whichever way rates move in the remainder of 2024, you’ll save money if you shop around. Aim to get an estimate from at least three mortgage lenders. The Consumer Financial Protection Bureau estimates borrowers can save $100 per month (or more) this way. And look at the annual percentage rate, or APR, to understand the total cost of the loan, which includes fees and other charges.

One final tip about rates: Do your research before picking a mortgage lender with the flashiest discount. This year, some lenders have been advertising “buy now, refinance later” offers. Others are offering temporary buydowns, where the buyer’s effective monthly payment is reduced for a year (or a few). Each option could potentially save money, but Moralez says it could also be “smoke and mirrors” if the deal is offset by higher fees.

“It’s one of those things where I tell folks, ‘There’s no free lunch, OK?’” he says. “You know, somebody is paying for it somewhere.”

Good news: More inventory, less intense competition

Recently, the supply of homes for sale could be summed up in two words: Slim pickings.

But in June, shoppers got some good news: The number of existing homes for sale reached a four-year high, according to the National Association of Realtors (NAR). Nationwide, there was a 4.1-month supply of homes for sale, meaning it would take just over four months at the current pace for all properties to sell. The U.S. market hasn’t seen that much housing inventory since May 2020, when the supply was 4.5 months.

Demand still outpaces supply, but with more homes to choose from, buyers are less likely to encounter intense bidding wars reminiscent of the pandemic years. Houses for sale are getting fewer offers compared to last year, according to the NAR’s June 2024 Realtors Confidence Index, a survey of its members. In June, a home listed for sale received an average 2.9 offers, compared to 3.5 offers in June 2023.

Another sign of cooling competition: Houses are staying on the market longer. In June, 65% of homes sold in less than a month, compared to 75% at the same time last year. The median time on the market in June was 22 days, a full four days longer than June 2023, when the median time on the market was 18 days.

With pending home sales also on the rise in June, NAR Chief Economist Lawrence Yun says he expects to see even more houses getting listed ahead of typical seasonal declines in winter. "The rise in housing inventory is beginning to lead to more contract signings," Yun said in a news release. "Multiple offers are less intense, and buyers are in a more favorable position."

Your strategy: Cast a wide net

While an improvement from recent years, a 4.1-month supply of homes for sale is still technically a seller’s market. A balanced market has about a six-month supply of homes for sale; a buyer’s market has more than six months’ worth.

You can’t control who puts their house on the market, so in the meantime, focus on the options available now. Let go of the fantasy of finding the perfect home when a “good enough” home can get your foot in the door sooner. That’s especially true for first-time home buyers who are eager to build equity.

“Last year, we certainly didn’t have enough houses — and we still don’t,” says Ellie Kowalchik, a real estate agent who leads the Move2Team with Keller Williams Pinnacle Group in Cincinnati, Ohio. “Don’t wait until the spring to start looking.”

For now, maybe you expand your search to include condos or townhouses. Maybe you settle for fewer bathrooms or a dated interior. Keep your chin up — even if you have to tolerate less square footage or weird linoleum floors for a while, you’ll have equity to remodel or sell in a few years.

Still challenging: Home prices climb to record highs

While some aspects of homebuying have gotten easier as 2024 rolls on, one challenge remains: home prices. The sales price of existing homes has risen for 12 straight months, according to the NAR. In June, the national median sales price hit a record high of $426,900.

As more inventory hits the market, though, the degree of home price growth has slowed somewhat over the summer, according to an August 2024 report from ICE Mortgage Technology. Still, if you compare the cost of buying a house to the median household income, July 2024 was one of the least affordable months to buy a home in more than three decades. Why? Home prices are growing faster than wages, and on top of that, high mortgage rates increase the cost of borrowing.

Until supply catches up to demand, prices are unlikely to fall. Realtor.com estimates prices will fall less than 2% by the end of 2024. No one can predict exactly what the market will do, but if you’re an optimist, there’s reason to be hopeful that prices are reaching a plateau.

“Even as the median home price reached a new record high, further large accelerations are unlikely,” Yun said in a press release. “Supply and demand dynamics are nearing a balanced market condition.”

That’s another reason to jump in now: A big drop in prices could trigger more competition.

Your strategy: Make a budget and stick to it

If you’re Zillow-stalking houses you can’t afford, stop. Instead, channel that energy toward your plan to shop for a house in real life — starting with setting a realistic budget.

First, talk to a financial advisor or use an online calculator to see how much house you can afford . Understand how mortgage lenders will determine your eligibility, including analyzing your credit score, cash savings and monthly debt payments.

Next, find a buyer’s agent who knows how far your budget can go in your local market. An experienced agent can advocate for you and help you snag a good deal.

Wild card: Changes to real estate commissions

One of the year’s biggest shakeups has been a major legal settlement with the NAR, which changes the way your buyer’s agent gets paid. While the NAR admitted to no wrongdoing, it will pay $418 million to settle more than a dozen antitrust lawsuits accusing the organization of enforcing rules that inflated real estate commissions. These changes take effect Aug. 17.

Previously, home sellers generally set the agents’ commission — typically 5% to 6% of the home sale price that was then split between the buyer’s and seller’s agent. Now, a new system is in place: You'll have to sign a contract with your buyer’s agent, which spells out the terms of how they get paid.

For now, many real estate brokerages will likely stick with the familiar commission structure of a percentage of the sales price. But the settlement opens the door for new ways for agents to get paid, such as a flat fee or an hourly rate. Time will tell what becomes the new standard.

Your strategy: Brush up on your negotiating skills

When hiring a buyer’s agent , be polite but firm when negotiating. If the commission is more than you want to spend, ask if the agent would be willing to lower it. Point out any fees you don’t understand. And if you still aren’t comfortable with the terms, it’s OK to shop around or walk away.

While the new rules are more complex, they also give you, the buyer, more leverage in negotiating for your best interests. Buying a home is a big journey, and when you sign that contract with a buyer's agent, you should feel supported and empowered about the business relationship that lies ahead.

The bottom line: Set realistic expectations

Things are looking better compared to the beginning of this year, but if you haven’t found a house yet, it’s fair to feel bummed out about high costs and complexity.

The solution: Think long-term. Holding out for lower rates or “perfect” buying conditions likely means you’ll face steeper prices and more competition. So if you’re determined to buy, find a place that suits your needs and budget as-is. Expecting perfection often means setting yourself up for disappointment.

“Sometimes I have clients that think they're going to hit a home run the very first house they buy,” Moralez says. “And a lot of times I tell clients, well, sometimes it's OK to be happy just getting on base.”

On a similar note...

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