Second Chance Apartments in St. Louis

Can you get an apartment in St. Louis with bad credit? 

Yes, it is possible to rent an apartment in St. Louis with bad credit, though it may be more challenging. Many landlords and property management companies consider credit as one factor in the application process, but they may be willing to work with tenants who have less-than-ideal credit. Here are some strategies to increase your chances:

1. Look for No-Credit-Check Apartments: Some landlords offer rentals that do not require a credit check. These types of properties may be easier to secure, especially if your credit history is a concern.
2. Offer a Larger Security Deposit: If your credit is a concern, offering a larger deposit can reassure the landlord. This shows your commitment and can help mitigate any perceived risk.
3. Provide Proof of Income: Demonstrating that you have a stable income can help landlords feel more confident in your ability to pay rent on time, even with bad credit.
4. Get a Co-Signer or Guarantor: If possible, find someone with good credit who is willing to co-sign the lease. This person would be responsible for paying the rent if you are unable to do so.
5. Offer to Pay Higher Rent Upfront: Some landlords may accept higher rent payments for a few months in advance as an alternative to a credit check.
6. Explain Your Credit History: If there is a legitimate reason for your bad credit, such as medical bills or a past hardship, explaining your situation to the landlord may help. Providing a plan to improve your credit can show you’re taking responsibility.
7. Consider Private Landlords: Smaller, independent landlords may be more flexible than large property management companies when it comes to credit history.

Are Felons Eligible for Housing Programs in St. Louis? 

Felons can be eligible for housing programs in St. Louis, but there are certain limitations and requirements based on the nature of their conviction and the specific housing program. While some programs may have restrictions for individuals with felony convictions, there are also opportunities designed to help individuals with criminal records secure housing. Here are the key factors to consider:

1. Public Housing and Section 8 (Voucher Program)

While the federal government imposes restrictions on individuals with certain felony convictions—particularly those related to drug offenses or violent crimes—felons may still be eligible for public housing or Section 8 vouchers after a waiting period. The St. Louis Housing Authority (SLHA) manages these programs and can provide detailed information on eligibility. In some cases:

• Eligibility may be restored after a certain period since the conviction, particularly for non-violent crimes or older offenses.
• Individuals convicted of drug-related crimes may face restrictions, but there may be exceptions, especially for those who have successfully completed rehabilitation programs.
• Applicants with violent felonies may face longer waiting periods or be excluded from eligibility.

2. Transitional Housing Programs

Transitional housing programs are designed for individuals recently released from incarceration. These programs typically offer temporary housing along with services such as job training, rehabilitation, and life skills coaching to help felons reintegrate into society. Programs like Missouri Department of Corrections or local nonprofits (e.g., The Women’s Safe House, St. Patrick Center) often prioritize people with criminal records and may offer housing assistance or referrals.

3. Affordable Housing Programs

Through organizations such as the Missouri Housing Development Commission (MHDC), felons may be eligible for affordable housing programs, which provide low-income housing to qualified individuals. While some programs might have restrictions on felons, particularly those with recent convictions, others may be more flexible. It’s important to research specific programs and speak with representatives to determine eligibility.

4. Nonprofit and Faith-Based Organizations

Several nonprofit and faith-based organizations in St. Louis offer housing assistance or referrals to felons. These programs often focus on providing stability and support for individuals with criminal backgrounds, including temporary shelters or help finding permanent housing. Some organizations that may offer assistance include:

• The Women’s Safe House (focused on housing for women with criminal records)
• St. Patrick Center (provides housing services and resources for individuals facing barriers such as criminal records)

5. Private Landlords

In St. Louis, some private landlords may be open to renting to felons, especially if the offense occurred several years ago and the individual can demonstrate stability (e.g., consistent employment, community involvement). It’s helpful to research and approach landlords who may be more lenient or willing to consider the individual’s current circumstances rather than focusing solely on the criminal record.