When getting an apartment lease and they ask for your bank statements, what are they looking for/at? That you have money saved or that your income is steady? Anyone had experience with this who doesn’t have a ton saved but is still responsible/pays on time, etc?

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I only give them the first page of my statements, which shows the balance and the total of how much went in and out of the account that month. They really just want to see that you have a little cash on hand in case of emergency, they usually ask for your last 2 paystubs to verify your income.

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LL wants to see if you're broke or not.

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I also only share the first page and redact the merchant names because it’s absolutely none of their business

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What if most of your net worth is in investment accounts and barely anything in checking/savings account ?

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I gave my brokerage account statement to one LL pre covid and they were fine with it. I can’t imagine they’re being too picky now as long as OP has money in at least one account

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Have to say that i was not happy when i was asked for a recent bank statement and brokerage statement. I’ve been in my building for 12 years. They deduct my rent from my bank account so i e never been late and there’s never been a problem.
I moved from a 1 BR to a 2BR this year. The rent was 1k more a month and they still wanted the docs. I wanted to tell them to eff off. But i gave it to them begrudgingly.

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They were looking to see if I had enough money to afford the place

They want to see what you spend vs save every month; and if you’ll have any issues paying rent. Some savings in the bank, help to counter a low ongoing balance.

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