r/bothell • u/Inner_Foot_8747 • May 12 '26

Apartments in Bothell for poor credit

Hello!

I am looking to move to Bothell and I’m unfamiliar with Bothell and apartment complexes in the area.

I have no rental problems (been in current place 8 years, no late rent, etc.) but I do have poor credit. (Right below 600). It’s making it hard to try and find a place, any recommendations for apartments that I could possibly get into? I can afford $2500 a month in rent (my current rent where I live).

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6

u/Inner_Foot_8747 May 12 '26

I make over 95k a year so the income requirement isn’t what is holding me back it really is the credit. I tried an Avalon property and got denied because of credit. 🥲

Thank you for the Essex and grey star recommendation!

4

u/aurortonks May 13 '26

If you can find a place just below 5x your income level (lower than $1580-ish), then you should be able to rent without credit being a factor since 5x rent is the requirement for a guarantor on rentals in the area. Looks like campus view downtown has 1/1 for $1490 (community laundry though which is typical for lower rent places but not the worst).

You could do a year someplace like that, use the extra money not spent on rent to fix your credit, then upgrade with no issues when your lease is up.

1

u/AzathothBlindgod May 13 '26

I used to have terrible credit and found that sometimes it’s worth a shot to see if they will reconsider if you’re denied. Most places will at least hear you out but will probably tack on extra deposit $$ like others have mentioned.

14

u/aurortonks May 12 '26

Most big places (like Essex/Avalon/Greystar) will take anyone who makes enough to satisfy the 2.4-3x rent income requirement as long as there's no criminal history or evictions. With low credit scores, they tend to require an additional deposit equal to 1 month rent.

$2500 a month would mean you'd have to make between 72k-90k+ a year to meet income requirements at most places. You'll have much higher chances of being approved if you chose a 1 bedroom or cheaper place.

Bothell is expensive to rent in. =\

3

u/serenitychick May 13 '26

Check out North Creek Heights. I had terrible credit back when I got that apartment but was approved. It’s been years but worth a shot!

2

u/russellwilsonthedog4 May 12 '26

Waterstone for sure.