Conduct the search

Step1Be prepared: Create a renter's re'sume' with your current and previous five addresses and landlord phone numbers, your employer and length of employment, your current salary and other income, personal references, among other information. Include a copy of your credit report (see How to Shop for a Mortgage, Step 5). You want to look as good on paper as possible to stand out from other applicants.

Step2-Look in the newspaper classifieds, apartment hunter publications, college campus bulletin boards, and online for available units to investigate. Ask friends about openings in their buildings.

Step3-Consider how much you can afford to pay. A good rule of thumb is no more than 30 percent of your take-home monthly income. Step4Enlist a rental agent to narrow your search. Depending on the market, this service may be free (paid for by landlords) or cost you a percentage of your rent when you land the apartment. Step5Turn to a roommate service if you're looking for cheaper space to share. Be clear what qualities you desire in a roommate, as well as types of people or habits you'd prefer to avoid, such as smokers

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