Landlords do ask for proof of income, which is a common way to verify rental applications. The landlord just wants to be sure that the applicant can pay rent on time throughout their lease. However, circumstances may force you to fake pay stubs to rent apartment and probably get away with it. For example, a landlord may require proof of income at 3x the monthly rent—that might be outrageous for you. But faking a pay stub is perfectly illegal and attracts a fine if you get caught.
While a pay stub is a common proof of income most landlords verify during the tenant screening process, it can be faked. You might need some to secure apartments if you do not have any reliable sources of income. Sometimes, you just do not feel comfortable sharing your earnings with your potential landlord. Whatever the case, this post explains the steps to fake pay stubs to rent apartment and not get caught.
Do Fake Pay Stubs Work for Apartments?
Fake check stubs work for apartments if they look real enough. Even legit websites such as Shopify.com allow you to download and print pay stubs for free. However, these are intended for authentic use. Most legit websites do not encourage faking pay stubs. Moreover, some employers use these online services to print and issue check stubs to requesting employees.
What makes a fake pay stub fake is the falsified information you provide. Therefore, websites offering paid or free pay stub download services operate perfectly legally.
When you fake a pay stub, you prevent your potential landlord from seeing your rent-to-income ratio. Thus, faking your pay stub may be OK if you are hiding your income from the landlord but can afford the rent. Some tenants claim that landlords tend to increase the rent when they realize that they are financially capable.
In some cities such as New York, a property management company requires your annual salary to be 40 times the rent for approval. So, if you can afford the rent but prefer to hide your earnings from the landlord, then faking the figures on your pay stub is the way to go.
How to Fake Pay Stubs to Rent Apartment
1. Pick a Fake Pay Stub Company
First, decide what company or pay stub generator to use to get away with using fake pay stubs. You need to choose a large company and call them, pretending to be a prospective landlord, and ask about a made-up person (could be yourself). If the company can check the employee records, it is not a good company to use. The reason for this step is that some landlords may want to call the company to verify if you are an employee.
Larger organizations do not typically know their employees, so they are not bothered by any random phone calls asking about their employees. Most of them decline any information about their employees.
Alternatively, you can get someone to pretend to be your employee; this is fraudulent, though. Some pay stub websites can offer this service. Even a family member or a friend can pretend to be your employer to help you rent with fake pay stubs.
2. Be Careful When Using Pay Stub Generator
Some landlords are familiar with the standard fake pay stub templates available on various websites. They might not take your application seriously if they find out that you use them. Also, your potential landlord might even find it amusing and consider your application fee a bonus for free pizza.
Some people have used fabricated documents to meet the high-income requirements set by landlords, especially in places like Florida where the rent can be quite high. A lot have never faced any repercussions, as long as the fake pay stubs are consistent and contain accurate details.
There are also claims of people creating false documents for years without any issues. The general belief is that as long as you are a responsible tenant and pay your rent on time, landlords won’t question the authenticity of your documents. So, yes, it is possible to get away with using fake pay stubs as a good tenant.
3. Find a Realtor Who Isn’t Strict
You can even find a realtor who is willing to overlook the discrepancies in your fake pay stub. If you are someone with a cash-based income, you can use such realtors to secure a rental apartment.
However, keep in mind that if your landlord finds out, you may lose your lease and face eviction. But if you do believe that you have the ability to pay the rent, you can show other income verifications, such as income statements and bank account statements, or use a co-signer.
Another good method to fake pay stubs to rent apartment is using software such as Adobe Pro. If you have the skills, you can edit the text and adjust the numbers on your existing pay stubs. Make sure to update the dates and ensure that the numbers make sense.
4. Present the Pay Stubs to the Landlord
During your tenant application, note that a landlord can ask your bank if the check you gave them can cover the rent. However, the landlord cannot ask to see your bank account balance. If you have sufficient funds, the bank may inform the landlord that you can afford the rent but won’t reveal your bank account balance.
It will be an added advantage if you have a good landlord reference from your previous landlord. Your potential landlord will be convinced if you used to pay rent early and kept the previous place in good condition.
Free Fake Pay Stub Generator for Employment Verification
If you search the internet, you will see several free fake pay stub generator websites that let you fill out and print fake pay stubs. However, as I mentioned earlier, some landlords are already familiar with some of these templates. So, you have to be unique when customizing your fake pay stub for apartment rentals.
Usually, you want to make sure to add a company logo to make your fake pay stub look real for rent.
Below are the steps to fake pay stubs to rent an apartment:
1. Paystubs.net User-Friendly Pay Stub Maker
The first online Paystub website we used for this guide is Paystub.net. This website features several templates and gives you the option to select your state. It is simple to use Paystub.net to fill out, submit, and download your fake pay stub information.
Follow the steps below:
- Go to the Pay Stub User-Friendly Pay Stub Maker.
- Click Choose Your State for a drop-down list of states to select from.
- Click Generate Pay Stubs Now.
- On the new page, enter the company details, including company name, logo, full address, phone number, EIN, or SSN. Click Proceed.
- Enter your employee information on the next page, including your name, the last 4 digits of your SSN, and optional information (address, ID, federal and state filing status, and total allowance. Click Proceed.
- Enter your salary information, annual salary, payment frequency, pay date, and email address. Click Proceed.
Finally, select your preferred pay stub template from the list. There will be a watermark on your pay stub if you try to print it without paying. After payment, you will be redirected to another page to download your stubs.
ThePayStubs.com is an instant online pay stub generator tested for this pay stub printing guide. this website gives authentic pay stubs, so what makes the printed pay stub fake is the falsified information you provide to rent an apartment.
Follow the steps below to generate and print paid pay stubs with fake figures:
- Go to the instant online pay stub generator.
- Click Create a Pay Stub Now.
- On the new page, enter your state of residency, your employee information, employer or company information, salary information, check numbers, and your correct work email address.
- Click Submit Information.
Select your preferred stub template and checkout with PayPal or your debit or credit card. the cost of printing pay stubs on ThePayStubs is $9 only.
3. FormSwift Pay Stub
You can also use FormSwift Pay Stub Maker, which lets you easily fake your pay stub to rent an apartment. The check stub template from this website (like some others) handles all the math and calculations needed for your pay stub to convince the landlord to give you the apartment. Follow the steps below to create your pay stub for rent:
- Go to the FormSwift pay stub form.
- Enter company, employee, and income information, including the company’s name and address, the employee’s full legal name, employee ID number, and address.
- Enter any applicable deductions, including federal and state taxes, Medicare, social security, and any other deductions.
- Click Create Pay Stub after entering all the required information, you can create the pay stub by clicking the designated button.
You should receive the generated fake pay stub in your email in PDF form. When you are done, preview your pay stub before you proceed with the download. A copy of the pay stub is sent to the email you provide when you complete your purchase.
You may be able to contact FormSwift Pay Stub to play the role of your manager when your prospective landlord calls to verify your employment.
With FormPros, you can access a check stub you use to get a rent approval with forged wages and salary information.
FormPros is an authentic website you can use to get away with using fake pay stubs. Therefore, faking the information you provide with this pay stub template does not make them an illegal website (like others) as long as you can afford the rent.
Print your falsified pay stub on FormPros following the steps below:
- Go to the pay stub maker to prove income page.
- Click Create Pay Stub Now.
- Enter your state and email address.
- Enter your fake company information.
- Enter your employee information.
- Provide fake information on how you are paid.
- Click Create Pay Stub to complete your payment and print the fake pay stub.
5. Shopify Pay Stub Generator
Shopify offers a free pay stub generator tool you can use to instantly create a pay stub for your prospective landlord.
All you have to do is provide the required personal and financial information in the fields. Fields with asterisks are necessary.
Follow the steps below to create and download a free pay stub from Shopify.com:
- Go to Shopify pay stub creator.
- Enter the company information.
- Enter your employee information.
- Fill in your income information.
- Enter your deduction information.
- Click Create Pay Stub. Shopify will email a link to your pay stub.
Your customized pay stub will be emailed to you via the email address you provide. Go ahead with the fake pay stubs to rent apartment.
PayStubCreator is another check stub maker you can use to forge your financial information to get apartment rent approval.
Since professional accountants built PayStubCreator, you can rely on accurate calculations when entering your financial information.
The pay stub payment is instant, so you do not have to subscribe to download. Do the following to download and use PayStubCreator check stub:
- Go to the easy online pay stub generator page.
- Click Create Your Pay Stub Now.
- Provide the company information on this page, and then click Employee Information.
- Fill out the employee information and click Salary Information.
- Fill out the payment information and click Review Your Stub.
Finally, select your preferred pay stub and complete the payment using PayPal or your debit or credit card.
7. pdfFiller Free Pay Stub Template with Calculator Form
If you have used pdfFiller in the past, then you will understand how simple it is to create a fake pay stub here for rent. I have further simplified the process for you.
- Go to pdfFiller Free Pay Stub Template with Calculator Form.
- Collect all relevant information, such as employee name, address, social security number, pay period dates, and employment details.
- Determine your gross salary or hourly wage and calculate any overtime, bonuses, commissions, or other additional earnings.
- Deduct federal, state, and local taxes from the employee’s earnings based on the applicable tax rates and allowances.
- Subtract any other deductions, such as health insurance premiums, retirement contributions, or other company-specific deductions.
- Subtract the total deductions from the gross earnings to calculate the net pay, which is the amount the employee will receive.
- Enter the employee’s name, address, pay period dates, and all the calculated figures into the corresponding fields on the pay stub template.
You can add any additional information, such as the employee’s hours worked, vacation or sick leave taken, or any other relevant information that may be relevant.
8. Stub Creator Free Pay Stub Template with Calculator | No Watermark
I recently used Stub Creator to create a free pay stub for a friend that works. Here, you will find templates designed with a clear idea of the exact format you will receive in the generated pay stub. The generation process is also simple for anyone.
- Go to the Stub Creator free template page.
- Choose the template of your choice, ranging from basic to advanced designs.
- Download the template for reference. The sample templates consist of a Stub Creator watermark, which will be removed once you pay for them.
- Customize with a stub layout you prefer over the default one.
When done, the pay stub will give you a clear and detailed breakdown of your earnings and deductions.
9. Pay Stubs Online Easy Paystub, Free Paystub Calculator
You can create pay stubs using a free pay stub calculator like PayStubsOnline.net. Just enter your details, such as job type, payment frequency, state, marital status, and exemptions. The fake pay stub for apartment generator will then auto-calculate the deductions and net pay and provide you with a ready-to-print PDF file to present to the landlord. Follow these simple steps to generate a copy.
- Open the free pay stub maker.
- Select your job type—it could be hourly or salaried.
- Select how often you are paid (weekly, bi-weekly, monthly, semi-monthly, or annually).
- Choose the state in which you are employed.
- Select your marital status and the number of exemptions.
- Enter your earnings and deduction details, such as rate, hours, current total, deductions, and YTD totals.
- Finally, the online pay stub maker for rent will auto-calculate the deductions and net pay based on your information.
So, there you go with the best tools to use and fake pay stubs to rent apartment and get away with it. No landlord will care to find out as long as you pay your rent on time.
Can You Go to Jail for Fake Pay Stubs for Apartment?
You will not necessarily go to jail for fake pay stubs for apartment. However, fake pay stubs are a form of fraudulent misrepresentation. So, a tenant is presenting false information as true to deceive the landlord. If the landlord finds out that you have provided false information, they may have the right to terminate the lease agreement.
Generally, providing false information, such as fake pay stubs can be grounds for eviction. The landlord can terminate the lease and require the tenant to vacate the property.
The landlord might have the right to sue the tenant for damages, such as any financial loss suffered due to reliance on the false information. In some jurisdictions, creating and using fake documents can lead to criminal charges such as forgery or fraud, which can result in fines, probation, or even imprisonment. You may also lose any deposits paid to the landlord.
How Do Landlords Verify Pay Stubs?
Prospective landlords use the following tactics to spot fake pay stubs:
1. Errors in the math
Miscalculations or wrong figures are a sign that the pay stub is fake. Doing the stub math may be tedious if the landlord is not a math whiz. Moreover, authentic check stub websites already have professionals solve the math in their stub generators.
This makes it difficult for an accountant to spot errors when calculating the earnings and deductions on the pay stub.
2. Attention to detail
A closer look may reveal that a pay stub is fake. Thus, a prospective landlord may spend some minutes looking for signs to tell that a pay stub document has been forged.
The details that prospective landlords typically focus on include print numbers, lines, and characters; misaligning decimals; unnecessary or unusual fanciful fonts; misspelled words; and illegibility.
Other details that can be used to detect fake pay stubs include the figures. A pay stub that uses the letter “O” instead of the number ‘0’ is a red flag to the landlord.
Also, if the monthly earnings and other numbers on the check stub are not perfectly rounded, it shows fakeness. Typically, the net pay on the pay stub may not be rounded figures. Therefore, rounded figures such as $3,500 instead of $3,423.89 may be a red flag.
3. Requesting Form W-2
Form W-2 contains important information for completing an employee’s tax return, it is completed by the employer and is tougher to fake and get away with. It contains gross earnings, taxes, and deductions, so a prospective landlord may use this to tell if you lied in the pay stub.
4. Requesting Bank Statement
A landlord can verify if the figures on a pay stub are accurate by referring to the prospective tenant’s bank statement. If the bank statement report does not match the income on the check stub, it shows that the stub is fake.
Nonetheless, you may still be able to create a real fake bank statement that shows a prospective landlord your bank account as you want it. This also prevents the landlord from knowing your bank account balance.
5. Requesting Form 4506
A landlord can request Form 4506 from a prospective tenant to verify their income. Form 4506 shows a transcript of a prospective tenant’s federal tax record.
The websites listed in this guide will produce fake stubs that look real to get your apartment rent approval. However, this does not remove the fakeness because you falsified the figures to hide your financial information. Ultimately, if you can afford the rent amount, you may not need to know how to fake pay stubs to rent apartment. Instead, consider other proofs of income, including tax returns and bank statements.
Read also: Is Walmart receipt easy to fake for returns?