By Belco A.
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Gold Digital
Ask any tenant: The credit check is probably the most feared part of a rental application. The credit report offers landlords a cold, impartial and unblinking view of all your major purchasing and spending activity over the decades. Every financial mis-step is right there in black-and-white for all to see.
As professional landlords, my colleagues and I have reviewed hundreds of credit reports from applicants looking to owner finance or lease-purchase a home. If you look hard enough, certain patterns emerge: Most unsuccessful home buyers get in trouble in just a few critical areas. We see it all the time. If tenants only knew which expenses to avoid (or at least control), then maybe they wouldn't start down the wrong path in the first place.
Now, I've made some of these mistakes myself: No one is born a landlord. But if more than a few of these apply to you, you may be killing your chances of ever owning a home without even realizing it. Here are the top 6 high-risk expenses we urge you to stay away from until after you've bought a home:
Premium cable - Now that TV stations have switched to digital broadcasts, a cable subscription is almost a necessity in most households. And yes, there are plenty of sensible reasons to have access to a few key cable channels for news, sports, and entertainment. But we've also seen far too many folks go nuts and order hundreds of channels they don't need and never watch. Here in Atlanta, Georgia, the Comcast Cable "Digital Premier" cable plan costs over $50/month more than their basic package. Added up over 5 years, that's a whopping $3,000 that could have been a down payment on a house.
High-tech television - For those of us who can recall when color TVs were a novelty, this latest national obsession with ginormous widescreens and 7-speaker digital sound is almost laughable. Less amusing, perhaps, is seeing that huge plasma TV sitting on the curb along with all the worldly possessions of a recently-evicted tenant. Maybe it's just coincidence, but there seems to be a definite connection between expensive consumer electronics and financial distress.
Sparkle and bling - Back around 2005, nearly every bad credit report we saw featured an unpaid jewelry store charge account. Now, it's bad enough wasting serious money on gold and diamond trinkets. But to purchase this stuff using store credit and then default on the payments is financial suicide. Surely we can all agree that there's no must-have item anywhere to be found at the local Jared or Zales.
Fast food - We've all been guilty of swinging by the take-out window or placing a late-night delivery order when we're too tired (or lazy) to prepare a meal. But after adding up the cost of a year's worth of greasy burgers or mediocre pizza, you may well decide that keeping a jumbo bag of snack food in the house is much easier on your wallet and your stomach.
You should also know that when you bounce a check on the local Domino's Pizza, it's going to show up on your credit report. And if you can't be relied upon to fund an $18 pizza, you can't be too surprised if a landlord won't approve you for home ownership.
Mobile overkill - The Cell Phone has gone from flashy frill to absolute necessity. Most of us honestly can't even imagine life without our mobile: It's our link to the world. But, if you allow your cell provider to seduce you with GPS, unlimited texting, and high-speed Internet access, your monthly mobile bill can transform from a $50 lifeline into an hulking $300 anchor dragging you to the murky bottom.
Automotive excess - Atlanta, like Los Angeles, is definitely a car town. Folks here form a close personal bond with their vehicles. We get that. But when your credit report shows that your late-model Mercedes was recently repossessed, we count that as two strikes against you: One for not paying on time, and another for your poor judgment.
In the end, it's all about priorities. We're looking for families who are seriously committed to owning a home. Show us you can focus on that for a couple of years. Once you're a homeowner, then you can conspicuously consume (like the rest of us) until the cows come home.
For nearly a decade, Josh Spenser has been a property manager at Home Pride Properties, Inc., in Smyrna, Georgia. See our Resource Library at
www.Home-Pride.com for more tips on landlording, owner financing and home buying. Reach Josh at
josh@Home-Pride.com.
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This six foot long HDMI cable is fully HDCP compliant, and HDMI Authority certified, providing the highest levels of performance as well as being compatible with all HD formats and resolutions, including 480p/480i/720p/1080i and 1080p...
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A camera designed for your ever-changing environment ? small, streamlined and powerful. Achieve instant gratification with amazing images on the fly, captured in 12.1-megapixel resolution with tons of features that hold up in even the most unforgiving shooting conditions...
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VIDEO CABLE - 19 PIN HDMI (M) - 19 PIN HDMI (M) - 6 FT - DOUBLE SHIELDED - BLACK
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Decidedly slim and sleekly refined, the PowerShot SX210 IS packs a feature set that reads like a wish list. The 14.1-megapixel CCD joins a 14x 28mm wide-angle zoom for imaging power to spare. Frame your shots in the bright 3...
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The MV-1700 PLUS is a premium gallery style digital picture frame with an elegant gold frame, art quality ivory matte and protective clear glass. The bright 17¿ TFT LCD display presents images and video in vibrant color...
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Brand Name Fanatic Digital. Registered Trademark under US trademark law. HIGH SPEED HDMI Cable. Ferrite Cores.Fanatic Digital cables are the only HDMI Cables you will ever need! We are so confident in the performance and quality of our HDMI cables, we are offering a 100% money back guarantee...
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The Celestron 72216 VistaPix 8 x 32 2.0 megapixel binocular/digital camera gives you the best of both worlds. This latest in the line of high-quality Celestron's products combines a powerful binocular for clear, sharp, bright views of the outdoors with a versatile digital camera ready to capture all of your distant sightings...
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Fujifilm FinePix Z800EXR- 12MP SuperCCD EXR, Fujinon 5x Periscopic Optical Zoom, 3.5" High Resolution (16:9) Touch LCD. Dual Direction GUI with Auto Rotation, Other features include: Hybrid High Speed AF, Face Detection with Red Eye Removal, Face Recognition, Pet Detection, Intelligent Image Stabilization, High Sensitivity 3200 ISO, 6 Scene - SR Auto Automatic Scene Recognition, Motion Panorama, HD Movie 720p with Sound, Thin Metal Body 16...
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Connects the 75 ohm coaxial output from an antenna cable TV VCR satellite receiver to the 75 ohm coaxial input of TV or VCRCarries both audio and video signalsIdeal for digital components such as satellite receivers or digital cable TVLength: 6'White
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WeighMax 500g x 0.1 Digital Gram Coin Pocket Mini Accurate Gold Scale
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This entry was written by
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May 1, 2008 at 5:12 pm, filed under
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