Jonathan Answers · Renting and buying as a creator

Can I rent or buy an apartment in New York as an influencer or self-employed creator?

Jonathan NormolleAnswered by Jonathan Normolle
Founder, NextGen at Keller Williams NYC

The short answer

Yes. The paperwork just has to work harder. Landlords and co-op boards want proof of income they can read: usually two years of tax returns, 1099s, bank statements and a letter from your CPA. For rentals, the standard test is income of 40 times the monthly rent, or a guarantor at around 80 times. Present it right and creator income is approved every day.

Why creators get turned down

Not because they don't earn enough. Brand deals, platform payouts and uneven months don't look like a W-2, and most landlords and boards don't know how to read them. So they default to no.

What gets you approved

  • Two years of tax returns showing steady or growing income.
  • 1099s and contracts for brand deals and platform income.
  • Bank statements that show reserves, not just deposits.
  • A CPA letter that explains your income in plain English.
  • A guarantor or institutional guarantor if your history is short.

What we do differently

We started working with creators four years ago, through our partnerships with modeling and talent agencies around the world. I came up in that industry, with Ford Models, so I know the schedule, the pressure and the opportunity.

  • Our partners at Movtady Law know exactly how creator income gets approved.
  • We connect you with our in-house CPA, so your numbers tell the right story.
  • We prepare your co-op or condo package so it reads as strong as you are.
  • We negotiate your rent or price with your reach in mind.
  • Tidal Media, our in-house team, can film your search. The content is yours to keep.

Finding a home should be fun. Buying or selling with us, your legal fees are covered and so is 20–50% of your move.

Also asked

What is the 40x rent rule in New York?

Many New York landlords require annual income of at least 40 times the monthly rent. A guarantor typically needs about 80 times.

How do influencers prove income for an apartment?

Usually with two years of tax returns, 1099s and contracts, bank statements and a letter from a CPA explaining the income.

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