Second Chance Apartments in Memphis, TN

The short version. Luxe Corporate Living signs your Memphis apartment lease as the tenant of record, and you occupy the unit under an occupancy agreement. Because the property screens our corporate file rather than yours, your eviction history, credit score and bankruptcy status are never submitted. Applying is free. You pay $499 only once you have selected a property ($99 activation fee + $400 admin fee paid to the property), plus a risk fee of one month's rent at lease signing. The single hard requirement is verifiable income of 2.5× the rent — about $2,880 a month for a typical Memphis one-bedroom. Keys typically follow in 7–14 days.

Why Memphis renters get denied

What screening actually looks like here

Shelby County General Sessions Court handles Memphis detainer actions, and Memphis has for years posted one of the highest eviction filing rates of any large American city. Tennessee provides no sealing process for those records and has preempted local source-of-income ordinances, so the protections available in some other metros do not exist here. The consequence is a large population of Memphis renters with a filing on record and stable current income who cannot get past an automated screen.

That is the gap this program is built for. Nothing about your record changes — instead, your record stops being the thing under review. When the applicant on the lease is a company with its own credit file and lease references, the automated screen that would have rejected you never runs against your name.

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Evictions, including unpaidOpen or satisfied, recent or old, one or several — the filing is never submitted.

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Any credit score, or noneNo credit check is run at any stage. No minimum score applies.

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Chapter 7 or Chapter 13Discharged or still in repayment — bankruptcy is not part of the review.

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Broken leases & collectionsLease breaks, balances owed to prior landlords, and collections accounts.

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1099 & self-employed incomeBank statements, tax returns and contracts are accepted as proof.

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No US credit historyRecent arrivals and returning residents with no domestic file.

Qualifying in Memphis

The one requirement that does apply

We do not screen your credit or your rental record. We do verify income, because the property still needs the rent to be payable. The threshold is 2.5× the monthly rent, documented — and in Memphis that works out roughly as follows.

Unit	Typical Memphis asking rent	Income needed (2.5×)
One bedroom	about $1,150/mo	$2,880/mo — roughly $34,600/yr
Two bedroom	about $1,400/mo	$3,500/mo

Rent figures above are typical Memphis asking rents used to illustrate the calculation, not quotes for a specific unit — your specialist works from live pricing in the communities you are actually considering. Income can be evidenced with pay stubs, bank statements, tax returns, offer letters or 1099 contracts, so contract, gig and self-employed earnings all count. You will also need a government-issued photo ID.

What we do not require

No minimum credit score. No clean rental history. No cosigner or guarantor. No proof that a prior balance has been settled. If you clear the income requirement, you are eligible to apply.

Coverage

Where we place clients in Memphis

Because Memphis rents are among the lowest of any major metro, the income threshold to qualify is correspondingly low — this is one of the markets where applicants who assumed they could not afford to move discover they clear the requirement comfortably.

Midtown
East Memphis
Cooper-Young
Cordova
Germantown
Bartlett
Collierville

The list above reflects where placements cluster, not a boundary. If a community anywhere in the Memphis metro accepts a corporate lease, we can apply to it — including communities that have already declined you as an individual applicant, because the file they receive from us is a different file.

Cost

What you pay, and when

Stage	When	Amount
Application	On submitting the form	$0 — free, no credit card, no credit check
File activation	Only after you select a property and choose to proceed	$499 — $99 activation fee + $400 admin fee paid to the property
Risk fee	At lease signing, after approval	one month's rent on the approved unit

There are no monthly fees payable to us — after move-in you pay rent to the property. Fees are non-refundable once submitted, under the signed service agreement; the full terms are on our refund policy page. If a company asks you for money before you have seen a property, that is worth questioning — ours is the reason the application stage costs nothing.

Common questions

Second chance housing in Memphis

Can I rent an apartment in Memphis with an eviction on my record?

Yes. Your eviction record is not submitted, because you are not the lease applicant. Luxe Corporate Living applies as the tenant of record and the property screens our company file. This matters in Memphis in particular, because Tennessee gives you little ability to remove or seal a filing once it exists.

What credit score do I need in Memphis?

None. We do not pull your credit at any stage, and no minimum score applies. The property reviews our corporate credit instead of yours. The one requirement that does apply is income — see below.

How much income do I need for a Memphis apartment?

2.5× the rent, verifiable. For a typical Memphis one-bedroom at about $1,150 that is roughly $2,880 per month, or about $34,600 a year. For a two-bedroom near $1,400 it is about $3,500 per month. Pay stubs, bank statements, tax returns, offer letters and 1099 contracts all count, so self-employed and contract income qualifies.

What does it cost to apply in Memphis?

Nothing. The application is free — no credit card, no credit check. You pay $499 only after a specialist has sourced properties and you have chosen one to move forward with ($99 activation fee + $400 admin fee paid to the property). A risk fee of one month's rent is due at lease signing, after approval. There are no monthly fees to us.

How long does placement take in Memphis?

Typically 7–14 days from your original application to keys. Because Memphis rents are among the lowest of any major metro, the income threshold to qualify is correspondingly low — this is one of the markets where applicants who assumed they could not afford to move discover they clear the requirement comfortably.

Is approval guaranteed?

Approval is guaranteed on properties from the list your specialist provides. If you choose a property off that list we will still apply, but the property can decline and the guarantee does not apply.

Reviewed by Dr. Brandon Clark, PMP, Chief Executive Officer, Luxe Corporate Living. Last reviewed August 2026. Fee schedule, eligibility rules and placement timelines on this page match our program FAQs and are reviewed whenever they change. Local screening rules are summarised for general guidance and are not legal advice.