A close-up shot of a silver key attached to a house keychain.

Imagine you’re searching for a new apartment. While you’re flipping through different websites and listings with a coffee in hand, something catches your eye: There, in the corner of the screen, is a small disclaimer in the property description that reads, “For rent by owner.”

At face value, that term seems self-explanatory, but what does it really mean to rent from a private owner?  

What Is a Private Landlord? 

In many renters' experiences, renting an apartment typically involves a big property management company and a leasing agent. Renting from a private landlord is a completely different experience.

A private landlord is an individual who owns one or more rental properties but does not necessarily operate a property management company. They manage their properties independently, handling all aspects of the rental process from advertising vacancies, screening tenants, and collecting rent to maintaining the property and addressing tenant concerns.  

What Is “FRBO”?

FRBO, or “For Rent by Owner,” is a term used in the real estate industry to indicate that a rental is managed by a private landlord, bypassing property management companies or real estate agencies. When a property is listed as “For Rent by Owner,” you can expect the property owner to act as your landlord and personal point of contact throughout your lease.

What to Expect: Pros and Cons of Renting From a Private Landlord

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The direct approach of renting through a private landlord can offer certain advantages, such as more personalized service and potentially lower costs. Still, it comes with its own set of challenges. 

Pros: 

  • Easier communication. With a private landlord, there's no middleman between you and the property owner. Many private owners give tenants their personal cell number, making communication more direct and leading to quicker resolutions of any issues that arise.
  • Fewer rules. Private landlords may have fewer rules and restrictions than larger property management companies. This might mean more freedom when it comes to things like decorating or owning pets. 
  • More flexibility. Private landlords often have more leeway to negotiate the lease terms, such as length and renewal options, making it potentially easier to tailor the agreement to your needs. 

Cons: 

  • Fewer amenities. Owner-managed properties might not offer the same amenities as those managed by larger companies, such as a gym, pool, or 24-hour concierge service. 
  • More responsibility. Since independent owners typically don’t employ an entire property management staff, renting from a private landlord might mean taking on more responsibility for the property, such as lawn care or minor repairs. 
  • Less streamlined maintenance and repairs. With larger companies, there's often a dedicated maintenance team. Private landlords might not have the same resources, which could mean longer wait times for repairs. 

What to Know Before Renting From a Private Landlord 

Understanding the general terms of your lease agreement and local laws will help you uphold your responsibilities as a renter and make sure your landlord does the same.  

Local laws and regulations

When you rent from a large property management company, you can assume they have a legal team working to adhere to state laws regarding lease agreements and renters’ rights. Private owners, especially newer landlords, may not have the same standardized processes as an established company. 

Understanding local rental laws is crucial to ensuring your rights as a tenant are being protected. These laws cover important aspects like security deposits, rent increases, and eviction procedures.

Lease terms

Read the lease agreement thoroughly. Make sure you understand all terms, including when rent is due, late fees, lease termination, and renewal procedures. Outside of standard legal clauses, each landlord can personalize their lease with terms like quiet hours, pet policies, parking information, and guest rules.  

History of the rental

It's wise to know the history of the property you're considering. This includes any previous issues with the building, neighborhood crime rates, and even past renter experiences, if available. 

The landlord’s reputation

Researching your prospective landlord can provide valuable insight. Look for reviews, ask previous tenants about their experience, and talk to your potential neighbors to gauge the landlord’s personality and management style.

Key Questions to Ask a Private Landlord

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Because private landlords manage their rentals differently from property management companies, it’s important to get a feel for their management style before you sign a lease.

How do they prefer to communicate with tenants?

Private landlords have the freedom to choose how they communicate with tenants, so it’s important to ask. Some landlords prefer texting while others would rather their tenants email them with any questions and concerns.

How do they collect rent?

Make sure you and your landlord are on the same page about how you’ll pay rent. Paying rent online is the most secure way to send payments, but some landlords may request paper checks.

How do you request maintenance?

It’s important to know how to contact your landlord with maintenance issues before your faucet starts dripping or the HVAC filter needs replacement. Does your potential landlord prefer you contact them directly for maintenance requests, or do they use an online platform like Apartments.com to accept and manage maintenance requests?

What maintenance are you responsible for?

Unlike property management companies, private landlords are typically the only ones managing a property and may ask tenants to take care of basic maintenance. Are you expected to mow the lawn or change the smoke detector batteries? Will your landlord unclog your shower drain, or is that something they expect you to do?

Who do you contact for emergency maintenance if the landlord is unavailable?

Your heat goes out in the middle of winter, but your landlord is on a family ski trip in Vail with minimal cell service. What do you do?

Know what your potential landlord will expect from you in case of emergencies. They may request that you contact experts yourself, in which case you should ask for a list of contacts.

How are utilities set up?

Are utilities included, or do you pay monthly bills on top of your rent? Do you set up and pay utilities yourself, or do you reimburse your landlord each month?

Where do you and your guests park?

If the property has a private driveway, this is straightforward. Otherwise, make sure you know the parking policy. Where will you park? Do you need a parking pass? Is there reserved guest parking, or is all parking first-come-first-served?

What’s the pet policy?

If you have a pet or are planning to adopt soon, make sure you ask key pet parent questions. If the property is pet-friendly, how much can you expect to pay in pet deposits and fees? Does the landlord have breed or size restrictions? Does the landlord limit the number of pets allowed, and what happens if you decide to adopt another pet?

Understanding a private landlord’s policies, procedures, and ground rules can help you decide on a rental, and covering all your bases early on can help avoid frustration later on in the application and leasing process.

Renting from a private landlord can be a great option for many renters, but it's essential to do your homework and ensure you're fully informed before making a decision. By following these guidelines, you can navigate the world of private owner rentals with confidence and find the perfect place to call home. 

This article was originally published on November 8, 2023, by Sarah Catherine Fordham.

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Chloe Savan

Hi! I'm Chloe, a content writer for Apartments.com. I've lived in three apartments in the past four years, so I know the ropes of renting. When I'm not at my desk writing, I can be found curled up on my couch with a craft in my hands or catching up with my friends over tacos!

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