🏠 Apartments & housing

How to rent an apartment in Orlando (even with no credit)

Renting is usually the first — and hardest — thing a newcomer has to do. Here’s what landlords will ask for and how to handle it if you don’t have U.S. credit yet.

Updated September 20262 min read

Where to look

  • Listing sites: Zillow, Apartments.com, Realtor.com and HotPads. Filter by price and area.
  • Driving around: many complexes and owners only put up a “For Rent” sign.
  • Real estate agents: some help renters, and sometimes the owner pays their fee, not you.
  • Facebook Marketplace and groups: there are good deals — and most of the scams. Be careful.
  • Rooms for rent: a good temporary option while you build credit and save.

What they almost always ask for

RequirementTypical
Income2.5–3× the monthly rent (pay stubs, employer letter or bank statements)
CreditA credit report check
BackgroundCriminal and eviction history check
ApplicationA non-refundable fee per adult (usually $50–$100)
Move-inSecurity deposit and first month. Sometimes last month too.
ExtrasPet deposit or monthly pet rent, and renters insurance

In 2026, a one-bedroom apartment in the Orlando area typically runs $1,400–$1,900 a month, depending on the area and complex.

If you have no credit or Social Security number

No credit history is not the same as bad credit. It’s often negotiable:

  • Offer a larger deposit or to prepay several months.
  • A cosigner with good credit who signs with you.
  • Guarantor companies that back your lease for a fee.
  • Ask whether they accept an ITIN or passport. Many complexes do but don’t advertise it.
  • Bring bank statements, an employer letter and references from your previous landlord — even from another country.
  • Individual owners tend to be more flexible than large complexes.

Your rights as a tenant in Florida

  • Deposit: when you move out, the landlord has 15 days to return your deposit, or 30 days to notify you in writing if they intend to keep part of it. You then have 15 days to object.
  • Take photos and video of the whole apartment on move-in day and move-out day.
  • If you fall behind on rent, the landlord must give you a 3-day notice (excluding weekends and holidays) before filing an eviction in court. They cannot change the locks or cut off utilities on their own.
  • Discrimination: they can’t refuse to rent to you because of national origin, race, religion, sex, disability or having children.

Having a problem with your landlord? Find free legal aid.

How to spot a scam

Watch out

If the price is too good to be true, the “owner” is out of the country, and they want payment by Zelle, Cash App or gift cards before you see the place — it’s a scam.

  • Look up the address on your county property appraiser’s site (in Orange County it’s ocpafl.org) and confirm the owner’s name matches.
  • Run the listing photos through Google Images. If they show up in another listing, be suspicious.
  • Never pay before you’ve seen the inside and have a signed lease.

Frequently asked questions

Can I rent an apartment in Orlando without a Social Security number?

Yes. Many landlords accept an ITIN or passport, especially if you offer a larger deposit, a cosigner or proof of income. Ask directly — many complexes accept it without advertising it.

How long does a Florida landlord have to return my deposit?

15 days if returning it in full, or 30 days to notify you in writing that they intend to keep part of it. You then have 15 days to object.

This guide is informational and is not a substitute for advice from a lawyer or other professional. Laws and requirements change — always confirm with the official source. See something out of date? Email us at hola@soyorlando.com.

Resources: Apartments & housing

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Florida Housing Finance Corporation

Florida

State down payment assistance programs for first-time homebuyers.

floridahousing.org ↗

Orange County Property Appraiser (OCPA)

Orange

Check who owns a property before you rent, and apply for the homestead exemption.

ocpafl.org ↗

FloodSmart — flood insurance

Nationwide

The federal flood insurance program (NFIP). Standard homeowners and renters insurance doesn’t cover flooding.

floodsmart.gov ↗
911Emergencies
211Help: food, rent, utilities
988Mental health crisis