Potential tenants doesn’t have a social security
Member since 2025 · 126 posts · 45 votes
Potential tenants doesn’t have a social security
Most Popular Reply
John MorganPro Member
Rental Property Investor · Grand Prairie, TX · Member since 2018 · 2k+ posts · 2k+ votesI’ve taken people without SS numbers. They’ve been my best tenants and have stayed with me for years. Maybe only put the cousin on the lease. But you don’t need a SS number to evict if that’s what you’re worried about.
40 Replies
- 10moAaron ZimmermanBusiness MemberAccountant · Chicago, IL · Member since 2018 · 2k+ posts · 1k+ votes
Do they have an ITIN?
Brick House CPAs53 Reviews- Member since 2025 · 126 posts · 45 votes10mo
@Aaron Zimmerman Im not sure, should I ask that? I thought ItIN is for taxes purposes. Can you do credit and background check with ItiN?
- 10moAaron ZimmermanBusiness MemberAccountant · Chicago, IL · Member since 2018 · 2k+ posts · 1k+ votes
@Maya Jones I'm honestly not sure if you can do a background check with an itin. I don't see why not though
Brick House CPAs53 Reviews
- Investor · Las Vegas, NV · Member since 2013 · 8k+ posts · 10k+ votes10mo
1) You can’t deny some people for not having a SSN and then accept someone else that also doesn’t have one. That’s a fair housing violation. (Or at least it could be seen as one if anyone you ever turned down was in a protected class.) You aren’t treating all applicants equally.
2) Why aren’t you requesting they get a SSN now? Are they independently wealthy and never intend to have a job or a bank account or pay taxes or apply for benefits?
3) How do you intend to find them if they don’t pay?
Worst case get a double security deposit, a higher rent/guest/occupany fee, and make the SSN holder the sole applicant and the other adult as a guest.
- Investor · VA · Member since 2015 · 21k+ posts · 19k+ votes10moDo they have itin? If neither I would want bank statements to show ability to pay rent
7e investments53 Reviews- Member since 2025 · 126 posts · 45 votes10mo
@Chris Seveney have you done credit and background check with ITIn ?
- Member since 2024 · 158 posts · 88 votes10mo
Why do you need their SSN? Is it for screening purposes? I would guess most screening software would allow for an alternate ID.
- Investor · Get yourself trained before doing something inadvisable. · Member since 2024 · 3k+ posts · 1k+ votes10moI think you have to ask a local attorney on that one. I was told where I am, that they can't process a collection without a SSN and might not be able to evict if they don't have the SSN. Anyway, someone without a SSN is a rarity. They are likely hiding something.
Quote from @Maya Jones:
Newbie landlord faced with applicant that wants to live with his cousin.
Applicant in prescreening text message exchange revelas that he doesn't have a social security.
My qualification standards say that applicants should have a social security.
thats what I shared with other applicant ( the other cousin).
am i violating fair housing rules if I tell him. Are applicant are required to have a social security .I am in chicago
- Investor · Get yourself trained before doing something inadvisable. · Member since 2024 · 3k+ posts · 1k+ votes10mo
Quote from @Maya Jones:
@Ken M. Illegal allien?
All I know is that SSNs are issued at birth. When someone legally immigrates, they are issued a SSN. When someone doesn't have a SSN they aren't paying taxes. The govt. requires a SSN or ITN to pay taxes.
Mexicans (and others) used to be able to get a 6 month work permit to work in the USA. Then they had to go home for 6 months and could come back for another 6 month work permit.
I had a guy who had a degree in marine biology from the University of Mexico (not NEW Mexico, but Old Mexico) work as a carpenter. They he'd send a big chunk of it back to his family. To file his taxes he needed an ITN. His english was good and very professional.
But, with all of the fraud for the last number of years, who knows what has gone on since.
(An Individual Taxpayer Identification Number (ITIN) is a 9-digit tax processing number issued by the U.S. Internal Revenue Service (IRS) to individuals who are not eligible for a Social Security Number (SSN) but are required to file a U.S. federal income tax return. ITINs are used by non-resident and resident aliens, their spouses, and dependents, including undocumented immigrants, to comply with U.S. tax laws. The number always begins with the digit "9" and follows the format 9XX-XX-XXXX)
- 10moJohn MorganPro MemberRental Property Investor · Grand Prairie, TX · Member since 2018 · 2k+ posts · 2k+ votes
I’ve taken people without SS numbers. They’ve been my best tenants and have stayed with me for years. Maybe only put the cousin on the lease. But you don’t need a SS number to evict if that’s what you’re worried about.
- Member since 2025 · 126 posts · 45 votes10mo
@John Morgan thanks, how do you verify their credit or background without ss?
- Investor · Get yourself trained before doing something inadvisable. · Member since 2024 · 3k+ posts · 1k+ votes10mo
Quote from @Maya Jones:
@John Morgan thanks, how do you verify their credit or background without ss?
Good question. And that they won't be deported in the middle of the month?
- 10moMackaylee BeachPro MemberReal Estate Agent · Kansas City, MO · Member since 2020 · 1k+ posts · 492 votes
It is essential to adhere to your requirements. If applicants do not have a Social Security number or an ITIN, they unfortunately cannot proceed with their application. Establishing a clear and straightforward process can make a significant difference and help avoid any potential violations of fair housing laws.To ensure compliance, it's important to consistently apply your rental criteria to all applicants. This means clearly stating your requirements upfront and providing equal opportunities for all potential tenants. If you have any concerns about your policies potentially violating fair housing laws, it may be beneficial to consult with a legal expert or a fair housing organization to review your criteria and ensure they align with legal standards. Additionally, offering alternative options, like accepting an Individual Taxpayer Identification Number (ITIN) where possible, may help accommodate a wider range of applicants while still adhering to your qualification standards.
- Member since 2025 · 126 posts · 45 votes10mo
@Mackaylee Beach thanks for your insight. The tricky part is these are inherited tenants with no social. I am having to find replacement tenants and now I need to consider the income information for everyone old and new because they will split rent
so yes this person doesnt have ss and having a valid Ss is part of my requirement but I cannot do much about it ,he is already in the apartment. So would it be violating things If I screened him and verified income for the purpose or verifying that everyone can pay?
- 10moMackaylee BeachPro MemberReal Estate Agent · Kansas City, MO · Member since 2020 · 1k+ posts · 492 votes
@Maya Jones I feel like an income verification is perfectly acceptable.
- Investor · Get yourself trained before doing something inadvisable. · Member since 2024 · 3k+ posts · 1k+ votes10moI'm not sure where you are located, but if I couldn't verify information, I'd give notice that the rent won't be renewed.
Quote from @Maya Jones:
@Mackaylee Beach thanks for your insight. The tricky part is these are inherited tenants with no social. I am having to find replacement tenants and now I need to consider the income information for everyone old and new because they will split rent
so yes this person doesnt have ss and having a valid Ss is part of my requirement but I cannot do much about it ,he is already in the apartment. So would it be violating things If I screened him and verified income for the purpose or verifying that everyone can pay?
- Member since 2025 · 126 posts · 45 votes10mo
@Ken M. Im In chicago, lease contract is until april 2026 so can't really end the contract
- 10moPatrick O'SullivanBusiness MemberProperty Manager · Phoenix, AZ · Member since 2024 · 527 posts · 201 votes
@Maya Jones great follow-up, and it’s definitely a tricky spot when dealing with inherited tenants and changing household dynamics.
If someone is already living in the unit and you're trying to verify income as part of requalifying the household or adding or replacing tenants, it's reasonable to screen based on income and ability to pay, just be sure the same process applies to all adults being considered for tenancy, whether or not they have a Social Security number.
As long as your rental criteria are applied consistently and you're not selectively enforcing them, you should be on solid ground. If someone doesn’t have an SSN but can provide an ITIN and other supporting documentation, such as proof of income or references, that can often be a workable alternative depending on your screening service.
When in doubt, a quick consult with a local fair housing agency or housing attorney can give peace of mind. But no, verifying income to assess the household’s ability to pay generally isn’t a violation, especially when you're doing it across the board.
Hope that helps clarify things
get MULTIfamily Property Management4.7220 Reviews- Member since 2025 · 126 posts · 45 votes10mo
Quote from @Patrick O'Sullivan:
@Maya Jones great follow-up, and it’s definitely a tricky spot when dealing with inherited tenants and changing household dynamics.
If someone is already living in the unit and you're trying to verify income as part of requalifying the household or adding or replacing tenants, it's reasonable to screen based on income and ability to pay, just be sure the same process applies to all adults being considered for tenancy, whether or not they have a Social Security number.
As long as your rental criteria are applied consistently and you're not selectively enforcing them, you should be on solid ground. If someone doesn’t have an SSN but can provide an ITIN and other supporting documentation, such as proof of income or references, that can often be a workable alternative depending on your screening service.
When in doubt, a quick consult with a local fair housing agency or housing attorney can give peace of mind. But no, verifying income to assess the household’s ability to pay generally isn’t a violation, especially when you're doing it across the board.
Hope that helps clarify things
Thank you! Unfortunately, the existing tenant who has been paying doesn't have a SSN or ITIN and Rentredi ( who uses Transunion) says I cannot do a standard screening.
So in this case I am asking for paystubs, bank account statements, w2s etc.
so I can verify their ability to pay the rent. So in a sense I am allowing somboedy without a SSN to become an applicant. This is my first time screening tenants so I guess I am setting a precedent for future applicants without SSN. I would treat them the same ?
- Rental Property Investor · Chicago, IL · Member since 2017 · 266 posts · 188 votes10mo
I accept tenants all the time without social security numbers. I would be very careful about saying you don’t accept people without social security numbers. Just say you must past credit/background checks. I’ve run credit checks on people with ITIN numbers but don’t have social security numbers. In Illinois at least, you can’t discriminate based on legal status for housing.
Try running them through American Apartment Owners Association.
If they have an ITIN number you should be able to get a credit report.
Without an ITIN, you can’t get a credit score, but you should still be able to do a basic background based on name and address. You can call them to double check.
- 10moPatrick O'SullivanBusiness MemberProperty Manager · Phoenix, AZ · Member since 2024 · 527 posts · 201 votes
@Maya Jones You're right to think about how this sets a precedent moving forward, especially in a city like Chicago, where fair housing protections are taken seriously.
If you're allowing someone without an SSN to apply by submitting alternative documentation like pay stubs, bank statements, or W2s, that’s a valid approach, as long as it’s applied consistently to all applicants. In Chicago, you cannot deny someone housing based on immigration status, so focusing your screening on income and ability to pay is both fair and compliant.
To avoid any confusion down the line, it’s a good idea to update your written rental criteria to reflect that applicants without an SSN or ITIN can still qualify by providing sufficient proof of income and supporting documentation. That way, you're setting clear expectations and protecting yourself by treating every applicant by the same standard.
You're on the right track by documenting income and verifying financial stability. Consistency and transparency are key.
Hope this helps as you navigate your next steps
get MULTIfamily Property Management4.7220 Reviews- Member since 2025 · 126 posts · 45 votes10mo
@Patrick O'Sullivan thanks.
so saying that someone without social or Itin will be disqualified, is that considered violating fair housing laws? - Investor · Get yourself trained before doing something inadvisable. · Member since 2024 · 3k+ posts · 1k+ votes10moYour comment: "In Chicago, you cannot deny someone housing based on immigration status"
Quote from @Patrick O'Sullivan:
@Maya Jones You're right to think about how this sets a precedent moving forward, especially in a city like Chicago, where fair housing protections are taken seriously.
If you're allowing someone without an SSN to apply by submitting alternative documentation like pay stubs, bank statements, or W2s, that’s a valid approach, as long as it’s applied consistently to all applicants. In Chicago, you cannot deny someone housing based on immigration status, so focusing your screening on income and ability to pay is both fair and compliant.
To avoid any confusion down the line, it’s a good idea to update your written rental criteria to reflect that applicants without an SSN or ITIN can still qualify by providing sufficient proof of income and supporting documentation. That way, you're setting clear expectations and protecting yourself by treating every applicant by the same standard.
You're on the right track by documenting income and verifying financial stability. Consistency and transparency are key.
Hope this helps as you navigate your next steps
So, In Chicago, someone with no SSN can not be denied housing, yet in an immigration sweep, they are carted off to immigration paradise somewhere,
1. You have no way to collect monthly rent?
2. You have no way to "evict"?
3. You still have to store their goods in case they "return"?
4. You have no way to collect for damages?
So, how long do you hold the property open for them in case they "return"?
And with all that, "In Chicago, you cannot deny someone housing based on immigration status"? - 10moPatrick O'SullivanBusiness MemberProperty Manager · Phoenix, AZ · Member since 2024 · 527 posts · 201 votes
Quote from @Maya Jones:
@Patrick O'Sullivan thanks.
so saying that someone without social or Itin will be disqualified, is that considered violating fair housing laws?@Maya Jones under federal Fair Housing rules, turning someone away just because they do not have a Social Security Number or ITIN can be a concern. The most important thing is to focus on clear and consistent criteria like income, rental history, and background checks, rather than a specific form of identification.
Instead of saying that applicants must have a Social Security Number or ITIN, a better approach might be to say:
"All applicants must pass income verification, rental history, and background screening. Applicants without a Social Security Number or ITIN may provide other documents to show identity and ability to pay."
This approach helps ensure your process is fair, clear, inclusive, and in line with housing guidelines.
get MULTIfamily Property Management4.7220 Reviews - 10moPatrick O'SullivanBusiness MemberProperty Manager · Phoenix, AZ · Member since 2024 · 527 posts · 201 votes
Quote from @Ken M.:
Your comment: "In Chicago, you cannot deny someone housing based on immigration status"Quote from @Patrick O'Sullivan:
@Maya Jones You're right to think about how this sets a precedent moving forward, especially in a city like Chicago, where fair housing protections are taken seriously.
If you're allowing someone without an SSN to apply by submitting alternative documentation like pay stubs, bank statements, or W2s, that’s a valid approach, as long as it’s applied consistently to all applicants. In Chicago, you cannot deny someone housing based on immigration status, so focusing your screening on income and ability to pay is both fair and compliant.
To avoid any confusion down the line, it’s a good idea to update your written rental criteria to reflect that applicants without an SSN or ITIN can still qualify by providing sufficient proof of income and supporting documentation. That way, you're setting clear expectations and protecting yourself by treating every applicant by the same standard.
You're on the right track by documenting income and verifying financial stability. Consistency and transparency are key.
Hope this helps as you navigate your next steps
So, In Chicago, someone with no SSN can not be denied housing, yet in an immigration sweep, they are carted off to immigration paradise somewhere,
1. You have no way to collect monthly rent?
2. You have no way to "evict"?
3. You still have to store their goods in case they "return"?
4. You have no way to collect for damages?
So, how long do you hold the property open for them in case they "return"?
And with all that, "In Chicago, you cannot deny someone housing based on immigration status"?@Ken M. I hear your concerns, and they are valid from a risk management perspective. The core point behind the guidance in Chicago is that housing decisions must be based on financial qualifications, rental history, and behavior, not on immigration status. This means landlords cannot use lack of legal status alone as a reason to deny housing.
As for your questions:
Rent collection – If the tenant is paying rent consistently and can verify income, the lack of a Social Security Number does not prevent them from fulfilling that obligation.
Eviction – Eviction is based on lease violations or non-payment, not immigration status. Legal eviction processes can still be followed, even without an SSN.
Personal property – Like with any tenant who leaves unexpectedly, standard procedures for abandonment or storage laws would apply. These are usually outlined in state landlord-tenant laws.
Damages – Just as with any tenant, collecting for damages depends on documentation, deposits, and sometimes legal action. While an SSN can help with collections, it is not the only tool available.
The key takeaway is this: landlords are still able to screen applicants based on their ability to pay and follow the lease. The challenge is adjusting policies so they are legally compliant while still protecting your investment. Clear, consistent screening criteria and proper documentation go a long way.
Hope this helps clarify the reasoning behind the policy.
get MULTIfamily Property Management4.7220 Reviews - 10moPatrick O'SullivanBusiness MemberProperty Manager · Phoenix, AZ · Member since 2024 · 527 posts · 201 votes
Quote from @Maya Jones:
@Patrick O'Sullivan thanks.
so saying that someone without social or Itin will be disqualified, is that considered violating fair housing laws?
Yes, saying someone is automatically disqualified for not having a Social or ITIN can raise fair housing concerns. It's safer to focus on their ability to meet your screening criteria using alternative documentation.get MULTIfamily Property Management4.7220 Reviews - Member since 2025 · 126 posts · 45 votes10mo
@Patrick O'Sullivan thanks, that line came from Brandon Turner book... I guess I should remove it from the qualification standard
- Investor · Get yourself trained before doing something inadvisable. · Member since 2024 · 3k+ posts · 1k+ votes10moI'm from Seattle. Same thing there as you state here about Chicago. Let's be fair, you state what you believe to be the situation in Chicago (while being from Phoenix it looks like), I will state what actually happens in Seattle from experience.
Quote from @Patrick O'Sullivan:
Quote from @Ken M.:
Your comment: "In Chicago, you cannot deny someone housing based on immigration status"Quote from @Patrick O'Sullivan:
@Maya Jones You're right to think about how this sets a precedent moving forward, especially in a city like Chicago, where fair housing protections are taken seriously.
If you're allowing someone without an SSN to apply by submitting alternative documentation like pay stubs, bank statements, or W2s, that’s a valid approach, as long as it’s applied consistently to all applicants. In Chicago, you cannot deny someone housing based on immigration status, so focusing your screening on income and ability to pay is both fair and compliant.
To avoid any confusion down the line, it’s a good idea to update your written rental criteria to reflect that applicants without an SSN or ITIN can still qualify by providing sufficient proof of income and supporting documentation. That way, you're setting clear expectations and protecting yourself by treating every applicant by the same standard.
You're on the right track by documenting income and verifying financial stability. Consistency and transparency are key.
Hope this helps as you navigate your next steps
So, In Chicago, someone with no SSN can not be denied housing, yet in an immigration sweep, they are carted off to immigration paradise somewhere,
1. You have no way to collect monthly rent?
2. You have no way to "evict"?
3. You still have to store their goods in case they "return"?
4. You have no way to collect for damages?
So, how long do you hold the property open for them in case they "return"?
And with all that, "In Chicago, you cannot deny someone housing based on immigration status"?@Ken M. I hear your concerns, and they are valid from a risk management perspective. The core point behind the guidance in Chicago is that housing decisions must be based on financial qualifications, rental history, and behavior, not on immigration status. This means landlords cannot use lack of legal status alone as a reason to deny housing.
As for your questions:
Rent collection – If the tenant is paying rent consistently and can verify income, the lack of a Social Security Number does not prevent them from fulfilling that obligation.
Eviction – Eviction is based on lease violations or non-payment, not immigration status. Legal eviction processes can still be followed, even without an SSN.
Personal property – Like with any tenant who leaves unexpectedly, standard procedures for abandonment or storage laws would apply. These are usually outlined in state landlord-tenant laws.
Damages – Just as with any tenant, collecting for damages depends on documentation, deposits, and sometimes legal action. While an SSN can help with collections, it is not the only tool available.
The key takeaway is this: landlords are still able to screen applicants based on their ability to pay and follow the lease. The challenge is adjusting policies so they are legally compliant while still protecting your investment. Clear, consistent screening criteria and proper documentation go a long way.
Hope this helps clarify the reasoning behind the policy.
RUN!!!! Don't Do it. People who don't have SSNs have no obligation to you and are not trackable. They ARE hiding something, and will disappear back across the border
Whoosh, glad I got that off my chest. Now it's on you, if you choose to deal with them, fine that's on you. - Rental Property Investor · Chicago, IL · Member since 2017 · 266 posts · 188 votes10mo
Quote from @Ken M.:
I'm from Seattle. Same thing there as you state here about Chicago. Let's be fair, you state what you believe to be the situation in Chicago (while being from Phoenix it looks like), I will state what actually happens in Seattle from experience.Quote from @Patrick O'Sullivan:
Quote from @Ken M.:
Your comment: "In Chicago, you cannot deny someone housing based on immigration status"Quote from @Patrick O'Sullivan:
@Maya Jones You're right to think about how this sets a precedent moving forward, especially in a city like Chicago, where fair housing protections are taken seriously.
If you're allowing someone without an SSN to apply by submitting alternative documentation like pay stubs, bank statements, or W2s, that’s a valid approach, as long as it’s applied consistently to all applicants. In Chicago, you cannot deny someone housing based on immigration status, so focusing your screening on income and ability to pay is both fair and compliant.
To avoid any confusion down the line, it’s a good idea to update your written rental criteria to reflect that applicants without an SSN or ITIN can still qualify by providing sufficient proof of income and supporting documentation. That way, you're setting clear expectations and protecting yourself by treating every applicant by the same standard.
You're on the right track by documenting income and verifying financial stability. Consistency and transparency are key.
Hope this helps as you navigate your next steps
So, In Chicago, someone with no SSN can not be denied housing, yet in an immigration sweep, they are carted off to immigration paradise somewhere,
1. You have no way to collect monthly rent?
2. You have no way to "evict"?
3. You still have to store their goods in case they "return"?
4. You have no way to collect for damages?
So, how long do you hold the property open for them in case they "return"?
And with all that, "In Chicago, you cannot deny someone housing based on immigration status"?@Ken M. I hear your concerns, and they are valid from a risk management perspective. The core point behind the guidance in Chicago is that housing decisions must be based on financial qualifications, rental history, and behavior, not on immigration status. This means landlords cannot use lack of legal status alone as a reason to deny housing.
As for your questions:
Rent collection – If the tenant is paying rent consistently and can verify income, the lack of a Social Security Number does not prevent them from fulfilling that obligation.
Eviction – Eviction is based on lease violations or non-payment, not immigration status. Legal eviction processes can still be followed, even without an SSN.
Personal property – Like with any tenant who leaves unexpectedly, standard procedures for abandonment or storage laws would apply. These are usually outlined in state landlord-tenant laws.
Damages – Just as with any tenant, collecting for damages depends on documentation, deposits, and sometimes legal action. While an SSN can help with collections, it is not the only tool available.
The key takeaway is this: landlords are still able to screen applicants based on their ability to pay and follow the lease. The challenge is adjusting policies so they are legally compliant while still protecting your investment. Clear, consistent screening criteria and proper documentation go a long way.
Hope this helps clarify the reasoning behind the policy.
RUN!!!! Don't Do it. People who don't have SSNs have no obligation to you and are not trackable. They ARE hiding something, and will disappear back across the border
Whoosh, glad I got that off my chest. Now it's on you, if you choose to deal with them, fine that's on you.I have to disagree here. I’ve had far worse issues with US citizens. Non US Citizens or not, it’s very hard to get people to pay when they bounce.
If they have a tax ID and have been here for a little bit, you can also pull a credit score.Illinois and Chicago you can’t discriminate based on immigration status. But you can deny for credit, income, etc. So if they can’t pass your screening criteria, you can deny them.
Problem solved.
- Investor · Get yourself trained before doing something inadvisable. · Member since 2024 · 3k+ posts · 1k+ votes10moSure, but to get the attention of a US citizen, you can report his bad debt to the credit reporting bureaus and the next landlord gets notification. With an illegal, no such mechanism exists. Illegals recycle their bad habits to the next landlord.
Quote from @Sean McKee:
Quote from @Ken M.:
I'm from Seattle. Same thing there as you state here about Chicago. Let's be fair, you state what you believe to be the situation in Chicago (while being from Phoenix it looks like), I will state what actually happens in Seattle from experience.Quote from @Patrick O'Sullivan:
Quote from @Ken M.:
Your comment: "In Chicago, you cannot deny someone housing based on immigration status"Quote from @Patrick O'Sullivan:
@Maya Jones You're right to think about how this sets a precedent moving forward, especially in a city like Chicago, where fair housing protections are taken seriously.
If you're allowing someone without an SSN to apply by submitting alternative documentation like pay stubs, bank statements, or W2s, that’s a valid approach, as long as it’s applied consistently to all applicants. In Chicago, you cannot deny someone housing based on immigration status, so focusing your screening on income and ability to pay is both fair and compliant.
To avoid any confusion down the line, it’s a good idea to update your written rental criteria to reflect that applicants without an SSN or ITIN can still qualify by providing sufficient proof of income and supporting documentation. That way, you're setting clear expectations and protecting yourself by treating every applicant by the same standard.
You're on the right track by documenting income and verifying financial stability. Consistency and transparency are key.
Hope this helps as you navigate your next steps
So, In Chicago, someone with no SSN can not be denied housing, yet in an immigration sweep, they are carted off to immigration paradise somewhere,
1. You have no way to collect monthly rent?
2. You have no way to "evict"?
3. You still have to store their goods in case they "return"?
4. You have no way to collect for damages?
So, how long do you hold the property open for them in case they "return"?
And with all that, "In Chicago, you cannot deny someone housing based on immigration status"?@Ken M. I hear your concerns, and they are valid from a risk management perspective. The core point behind the guidance in Chicago is that housing decisions must be based on financial qualifications, rental history, and behavior, not on immigration status. This means landlords cannot use lack of legal status alone as a reason to deny housing.
As for your questions:
Rent collection – If the tenant is paying rent consistently and can verify income, the lack of a Social Security Number does not prevent them from fulfilling that obligation.
Eviction – Eviction is based on lease violations or non-payment, not immigration status. Legal eviction processes can still be followed, even without an SSN.
Personal property – Like with any tenant who leaves unexpectedly, standard procedures for abandonment or storage laws would apply. These are usually outlined in state landlord-tenant laws.
Damages – Just as with any tenant, collecting for damages depends on documentation, deposits, and sometimes legal action. While an SSN can help with collections, it is not the only tool available.
The key takeaway is this: landlords are still able to screen applicants based on their ability to pay and follow the lease. The challenge is adjusting policies so they are legally compliant while still protecting your investment. Clear, consistent screening criteria and proper documentation go a long way.
Hope this helps clarify the reasoning behind the policy.
RUN!!!! Don't Do it. People who don't have SSNs have no obligation to you and are not trackable. They ARE hiding something, and will disappear back across the border
Whoosh, glad I got that off my chest. Now it's on you, if you choose to deal with them, fine that's on you.I have to disagree here. I’ve had far worse issues with US citizens. Non US Citizens or not, it’s very hard to get people to pay when they bounce.
If they have a tax ID and have been here for a little bit, you can also pull a credit score.Illinois and Chicago you can’t discriminate based on immigration status. But you can deny for credit, income, etc. So if they can’t pass your screening criteria, you can deny them.
Problem solved.
- Rental Property Investor · Chicago, IL · Member since 2017 · 266 posts · 188 votes10mo
Quote from @Ken M.:
Sure, but to get the attention of a US citizen, you can report his bad debt to the credit reporting bureaus and the next landlord gets notification. With an illegal, no such mechanism exists. Illegals recycle their bad habits to the next landlord.Quote from @Sean McKee:
Quote from @Ken M.:
I'm from Seattle. Same thing there as you state here about Chicago. Let's be fair, you state what you believe to be the situation in Chicago (while being from Phoenix it looks like), I will state what actually happens in Seattle from experience.Quote from @Patrick O'Sullivan:
Quote from @Ken M.:
Your comment: "In Chicago, you cannot deny someone housing based on immigration status"Quote from @Patrick O'Sullivan:
@Maya Jones You're right to think about how this sets a precedent moving forward, especially in a city like Chicago, where fair housing protections are taken seriously.
If you're allowing someone without an SSN to apply by submitting alternative documentation like pay stubs, bank statements, or W2s, that’s a valid approach, as long as it’s applied consistently to all applicants. In Chicago, you cannot deny someone housing based on immigration status, so focusing your screening on income and ability to pay is both fair and compliant.
To avoid any confusion down the line, it’s a good idea to update your written rental criteria to reflect that applicants without an SSN or ITIN can still qualify by providing sufficient proof of income and supporting documentation. That way, you're setting clear expectations and protecting yourself by treating every applicant by the same standard.
You're on the right track by documenting income and verifying financial stability. Consistency and transparency are key.
Hope this helps as you navigate your next steps
So, In Chicago, someone with no SSN can not be denied housing, yet in an immigration sweep, they are carted off to immigration paradise somewhere,
1. You have no way to collect monthly rent?
2. You have no way to "evict"?
3. You still have to store their goods in case they "return"?
4. You have no way to collect for damages?
So, how long do you hold the property open for them in case they "return"?
And with all that, "In Chicago, you cannot deny someone housing based on immigration status"?@Ken M. I hear your concerns, and they are valid from a risk management perspective. The core point behind the guidance in Chicago is that housing decisions must be based on financial qualifications, rental history, and behavior, not on immigration status. This means landlords cannot use lack of legal status alone as a reason to deny housing.
As for your questions:
Rent collection – If the tenant is paying rent consistently and can verify income, the lack of a Social Security Number does not prevent them from fulfilling that obligation.
Eviction – Eviction is based on lease violations or non-payment, not immigration status. Legal eviction processes can still be followed, even without an SSN.
Personal property – Like with any tenant who leaves unexpectedly, standard procedures for abandonment or storage laws would apply. These are usually outlined in state landlord-tenant laws.
Damages – Just as with any tenant, collecting for damages depends on documentation, deposits, and sometimes legal action. While an SSN can help with collections, it is not the only tool available.
The key takeaway is this: landlords are still able to screen applicants based on their ability to pay and follow the lease. The challenge is adjusting policies so they are legally compliant while still protecting your investment. Clear, consistent screening criteria and proper documentation go a long way.
Hope this helps clarify the reasoning behind the policy.
RUN!!!! Don't Do it. People who don't have SSNs have no obligation to you and are not trackable. They ARE hiding something, and will disappear back across the border
Whoosh, glad I got that off my chest. Now it's on you, if you choose to deal with them, fine that's on you.I have to disagree here. I’ve had far worse issues with US citizens. Non US Citizens or not, it’s very hard to get people to pay when they bounce.
If they have a tax ID and have been here for a little bit, you can also pull a credit score.Illinois and Chicago you can’t discriminate based on immigration status. But you can deny for credit, income, etc. So if they can’t pass your screening criteria, you can deny them.
Problem solved.
I agree with this. The more information you have the better in terms of leverage.
I will say, an eviction should still show up on a court record search as long as you got the applicants identification.
I understand the apprehension behind not wanting to rent to people without social security numbers. I was like that in the beginning. However I invested in an area that was heavily immigrant based. So I would have unnecessarily increased my vacancy rate if I didn’t accept people without social security numbers.
- Investor · Get yourself trained before doing something inadvisable. · Member since 2024 · 3k+ posts · 1k+ votes10moWhere you invest, is your decision and the profit or loss is on you. How you may "feel" is not sound investing advice.
Quote from @Sean McKee:
Quote from @Ken M.:
Sure, but to get the attention of a US citizen, you can report his bad debt to the credit reporting bureaus and the next landlord gets notification. With an illegal, no such mechanism exists. Illegals recycle their bad habits to the next landlord.Quote from @Sean McKee:
Quote from @Ken M.:
I'm from Seattle. Same thing there as you state here about Chicago. Let's be fair, you state what you believe to be the situation in Chicago (while being from Phoenix it looks like), I will state what actually happens in Seattle from experience.Quote from @Patrick O'Sullivan:
Quote from @Ken M.:
Your comment: "In Chicago, you cannot deny someone housing based on immigration status"Quote from @Patrick O'Sullivan:
@Maya Jones You're right to think about how this sets a precedent moving forward, especially in a city like Chicago, where fair housing protections are taken seriously.
If you're allowing someone without an SSN to apply by submitting alternative documentation like pay stubs, bank statements, or W2s, that’s a valid approach, as long as it’s applied consistently to all applicants. In Chicago, you cannot deny someone housing based on immigration status, so focusing your screening on income and ability to pay is both fair and compliant.
To avoid any confusion down the line, it’s a good idea to update your written rental criteria to reflect that applicants without an SSN or ITIN can still qualify by providing sufficient proof of income and supporting documentation. That way, you're setting clear expectations and protecting yourself by treating every applicant by the same standard.
You're on the right track by documenting income and verifying financial stability. Consistency and transparency are key.
Hope this helps as you navigate your next steps
So, In Chicago, someone with no SSN can not be denied housing, yet in an immigration sweep, they are carted off to immigration paradise somewhere,
1. You have no way to collect monthly rent?
2. You have no way to "evict"?
3. You still have to store their goods in case they "return"?
4. You have no way to collect for damages?
So, how long do you hold the property open for them in case they "return"?
And with all that, "In Chicago, you cannot deny someone housing based on immigration status"?@Ken M. I hear your concerns, and they are valid from a risk management perspective. The core point behind the guidance in Chicago is that housing decisions must be based on financial qualifications, rental history, and behavior, not on immigration status. This means landlords cannot use lack of legal status alone as a reason to deny housing.
As for your questions:
Rent collection – If the tenant is paying rent consistently and can verify income, the lack of a Social Security Number does not prevent them from fulfilling that obligation.
Eviction – Eviction is based on lease violations or non-payment, not immigration status. Legal eviction processes can still be followed, even without an SSN.
Personal property – Like with any tenant who leaves unexpectedly, standard procedures for abandonment or storage laws would apply. These are usually outlined in state landlord-tenant laws.
Damages – Just as with any tenant, collecting for damages depends on documentation, deposits, and sometimes legal action. While an SSN can help with collections, it is not the only tool available.
The key takeaway is this: landlords are still able to screen applicants based on their ability to pay and follow the lease. The challenge is adjusting policies so they are legally compliant while still protecting your investment. Clear, consistent screening criteria and proper documentation go a long way.
Hope this helps clarify the reasoning behind the policy.
RUN!!!! Don't Do it. People who don't have SSNs have no obligation to you and are not trackable. They ARE hiding something, and will disappear back across the border
Whoosh, glad I got that off my chest. Now it's on you, if you choose to deal with them, fine that's on you.I have to disagree here. I’ve had far worse issues with US citizens. Non US Citizens or not, it’s very hard to get people to pay when they bounce.
If they have a tax ID and have been here for a little bit, you can also pull a credit score.Illinois and Chicago you can’t discriminate based on immigration status. But you can deny for credit, income, etc. So if they can’t pass your screening criteria, you can deny them.
Problem solved.
I agree with this. The more information you have the better in terms of leverage.
I will say, an eviction should still show up on a court record search as long as you got the applicants identification.
I understand the apprehension behind not wanting to rent to people without social security numbers. I was like that in the beginning. However I invested in an area that was heavily immigrant based. So I would have unnecessarily increased my vacancy rate if I didn’t accept people without social security numbers.
Now, if you're running a homeless shelter, that's different, I understand. But, this is investing.
How can you be sure of the identity of an illegal? Ah yes, "Juan said so". I'd love to be able to confidently identify someone who is illegal and has ripped off former landlords.
Maybe in Chicago you don't have as much of a problem as we have in the Southwest. It's more effort to leave Chicago to go all the way home, than it is to drive back to the border from here. People locally here vacation in Mexico for the weekend. But Americans don't stay in Mexico without permission, I'm sure. The difference between prison life between the two countries is pretty stark.
If there is a better way, educate us. :-) (keep in mind, a lot of American citizens rip people off too, but there I have a hook with their SSN)
- Real Estate Agent · Chicago, IL · Member since 2017 · 2k+ posts · 2k+ votes10mo
Ignore the responses that are not from local investors, in Chicago an eviction takes 8+ months so you should NEVER take on any risky tenants. Not sure where your property is but on northside tons of 700+ credit tenants for every vacancy so no need to take risks, I am strict on who accept and never even had a late tenant. Using an ITIN or other form of ID without SS number is a red flag for higher likelihood of fraud and we have seen many fake applicants lately. Do serious due diligence to make sure they do not have a stolen identity or it can cost you up to a year of lost rents and the eviction costs. Chicago has laws where you can not discriminate on legal status so need to be careful how you respond and likely cannot deny solely for the lack of a SS.
- Member since 2025 · 126 posts · 45 votes10mo
@Henry Lazerow hi Henry thanks for the response. I woule love to connect , can I message you?
- 10moPatrick O'SullivanBusiness MemberProperty Manager · Phoenix, AZ · Member since 2024 · 527 posts · 201 votes
Quote from @Henry Lazerow:
Ignore the responses that are not from local investors, in Chicago an eviction takes 8+ months so you should NEVER take on any risky tenants. Not sure where your property is but on northside tons of 700+ credit tenants for every vacancy so no need to take risks, I am strict on who accept and never even had a late tenant. Using an ITIN or other form of ID without SS number is a red flag for higher likelihood of fraud and we have seen many fake applicants lately. Do serious due diligence to make sure they do not have a stolen identity or it can cost you up to a year of lost rents and the eviction costs. Chicago has laws where you can not discriminate on legal status so need to be careful how you respond and likely cannot deny solely for the lack of a SS.
Bottom line is framing your denial around a failure to meet the financial/historic criteria rather than the lack of a specific document (SSN). I agree with @Henry Lazerow that risk mitigation must remain the top priority.get MULTIfamily Property Management4.7220 Reviews - Member since 2025 · 126 posts · 45 votes10mo
@Patrick O'Sullivan thanks a lot for your input
- Rental Property Investor · Chicago, IL · Member since 2017 · 266 posts · 188 votes10mo
Quote from @Maya Jones:
Newbie landlord faced with applicant that wants to live with his cousin.
Applicant in prescreening text message exchange revelas that he doesn't have a social security.
My qualification standards say that applicants should have a social security.
thats what I shared with other applicant ( the other cousin).
am i violating fair housing rules if I tell him. Are applicant are required to have a social security .I am in chicago
Did you end up going with these tenants?
- Member since 2025 · 126 posts · 45 votes10mo
@Sean McKee still ongoing, waiting for verification from rent redi ...
this application has taken up many hours of my time haha
- Real Estate Broker · Northeast PA · Member since 2017 · 2k+ posts · 2k+ votes10mo
Write down your screening criteria in detail.
Post it on your office wall, and refer to it often. Feel free to give copies to your applicants.
Do not deviate from your stated criteria unless there are mitigating or compensating circumstances.
For example, before the law was changed, credit reporting agencies would knock FICO down with hospital collections. We often overlooked that if the collections were older than a few years, and if the rest of the credit report were favorable.
Not permitted by law to ask about citizenship? I'd move my investment to a more favorable location.
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