Can You Rent a Bank-Owned House?

Rentals and foreclosures do not generally work well together. A variety of federal and state laws affect how renters are treated in the event of a foreclosure and afterward. As a whole, renting a foreclosed or bank-owned house is not impossible, and can occur in nearly any circumstance, but rentals depend on the specific circumstances surrounding a foreclosure and who wants to rent the property.

Bank-Owned Houses

    A bank-owned house is a home that has passed through a foreclosure auction and is now held directly by a lender. In this case, no bidders wanted the house at the auction, but the lender still has a claim on the property to recover its debt. The property is awarded to the lender in response to this claim, and the bank then tries to sell the home on the real estate market to finally get payment for its late debt. The foreclosures seen on the market are all bank-owned properties like this.

Previous Renters

    When a bank gains possession of a property, it can treat renters of that property in several ways. Many banks will wait until the current lease that the renter signed with the previous owner has expired, and then require the renter to move out so the bank can sell the house. Banks are required to at least wait until the current payment period expires before evicting the renter. Some banks will form a month-by-month deal with the renter that allows the renter to stay on the property and pay rent while the bank tries to sell it.

Bank Renting

    Traditionally, banks did not even consider renting out the homes they own if there were no renters in the first place. A bank's goal is to sell a foreclosed house as soon as possible, which is why foreclosures often have lower prices than the market cost for the house. However, a large increase in foreclosure caused many banks to rethink their strategies. In many areas, banks are beginning to hire property management agencies to put the houses they own up for rental in order to make a profit.

Bank Renting Purpose

    Banks have several reasons for renting out the properties they own, most connected with the profits the bank wants to make. In some cases, the bank owns too many properties in an area to sell them effectively: the supply of houses is so high that the price must be dropped to sell them. Banks limit the supply of houses on the market by pulling some of them away and renting them out. This way the bank increases the purchase prices of the houses it does sell, while making revenue on the homes that have not been sold yet.



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