How Section 8 Housing Works

Section 8 housing is a housing assistance program, sponsored by the government, to provide financial help to eligible applicants through HUD (Housing and Urban Development). The HUD has issued the Section 8 housing vouchers to property owners, to compensate them for a portion of the tenant’s rent. This is available to families and individuals with low income, the elderly, the disabled or those who are financially disadvantaged. On a side note, if debt is an obstacle for those looking for Section 8 housing, go to to find out how debt settlements with collection agencies can help alleviate matters, financially.

Overall, to gain approval for Section 8 housing assistance, one has to go through a lengthy process, which can take up to a year. As soon as it is approved, the recipients need to lease the properties, which have been certified by HUD.

Qualification Requirements for Section 8 Housing

The requirements to qualify for Section 8 housing vouchers, require information regarding the gross income of the applicants (it must be less than fifty percent of the median income level of their state). Upon approval, the applicants will be placed on a waiting list, until suitable section 8 housing becomes available. Each property owner accepting the housing voucher, need to be certified and will undergo manual inspection of the property, in order to ensure that they meet the quality standards of the HUD.

Section 8 recipients have subsidized the housing payments and need to reapply for the advantages, every year. Any changes in the family dynamics (and in the income) need to be reported to the Public Housing Authority. When divorce or death occurs, or if a family member will be moving out of the residence, or when childbirth occurs – the benefits of the section 8 can decrease, increase or be eliminated (depending on the specifics of the situation); and since you may be subjected to credit checks (when re-applying), getting your bad credit cleaned up can be a big help – check online to see how to delete or remove negative items – like Hunter warfield – from your credit report.

The investors in real estate who are offering rental properties, may consider investigating the benefits of being a property owner, utilizing section 8. The prospective property owners need to submit an application of Request for Tenancy Approval, through their local Public Housing Authority office. Upon approval, every rental property will be subjected to inspection. As soon as the inspection process is completed and the property has been approved as section 8 housing, the property owners will enter into a 1-year contract with the PHA.

The minimum requirements for the Section 8 property owners include having providing adequate entrances and exits from the property; appropriate utilities, including heat, running water, electricity, and air conditioning; and appropriate sanitation, including sink, shower or bathtub and toilet. Every rental home needs to include a kitchen, bathroom and one bedroom – for prospective tenants. The Section 8 properties may include: multifamily and single-family residences, town homes, condominium units, and apartments. Many property owners want Section 8 housing certifications, as the program is providing reliable cash flow. The HUD’s housing recipients are usually excellent tenants, remaining in the properties for many years. As soon as tenants locate good homes, that have a good property owner, they would want to stay in the home, because finding decent Section 8 housing can be very hard; especially – if you have abysmal credit. If bad credit is making it a challenge to get Section 8 housing, there are federal laws at that can help you remove collections agencies from credit reports.

The property owners who are interested in becoming a Section 8 landlord (as well as the individuals who need housing assistance), will be able to gain information about the housing programs through the website of HUD. Even though the process may be time-consuming and complicated, Section 8 housing is able to provide the property owners with quality long-term tenants – helping the tenant locate suitable housing, creating a win-win situation for all parties involved.

Benefits of Section 8 Housing

  • On Time Payments – This is the best benefit of all, because the government pays on time – all the time. There will be no chasing your tenants for money, every month. It will arrive in the mail the first week of the month – each month!
  • Good Tenants – In general, the Section 8 tenants have the tendency to be good tenants. Most of the tenants have waited and worked very hard to qualify for their vouchers, and fear that any complaints a landlord may submit to the Public Housing Authority, may result in the tenant losing his or her voucher.
  • Longer Contracts – The lease agreement of Section 8 housing are usually one-year contracts and there are times that it can be two years. Even though the tenant may attempt to break the lease, she will need to, first, locate a new property and go through the whole process with Section 8, all over again. The general rule is that, when the investor keeps the property well maintained, the tenants have the tendency to stay for the length of the contract – and will, usually, renew the contract, in order to avoid going through the Section 8 process all over again.