The Risks of Renting from a "For Rent by Owner" Listing
Ascent Property Management • March 20, 2024
In the competitive rental market, tenants often come across listings advertised as "For Rent by Owner." While these listings may seem appealing, renting directly from an individual landlord rather than through a professional property management company can pose some risks.
Lack of Oversight
One of the primary concerns when renting from a "For Rent by Owner" listing is the lack of professional oversight and accountability. Unlike property management companies that adhere to industry standards and regulations, individual landlords may not have the expertise or resources to manage rental properties.
This can lead to inconsistencies in maintenance, delayed responses to tenant issues, and potential disputes over lease terms.
Tenant Screening and Background Checks
Tenants renting from a "For Rent by Owner" listing may face challenges in terms of tenant screening and background checks. Professional property management companies have established procedures for screening potential tenants, including credit checks, rental history verification, and criminal background checks.
Legal Protections
"For Rent by Owner" listings may lack legal protections and recourse for tenants. Professional property management companies typically have established lease agreements that outline the rights and responsibilities of landlords and tenants, and procedures for handling disputes or evictions. In contrast, individual landlords may use generic or outdated lease agreements that do not adequately protect tenants' rights or comply with local housing laws.
Maintenance
Tenants renting from a "For Rent by Owner" listing may encounter challenges in terms of property maintenance and repairs. Ascent Property Management has a network of trusted contractors and service providers who can quickly address maintenance issues and ensure the safety and habitability of rental properties.
In contrast, individual landlords may struggle to promptly address maintenance requests, leading to potential health and safety hazards for tenants.
Ascent Property Management
Ensuring a safe and secure rental experience is our top priority.
From thorough tenant screening to responsive maintenance services and reliable legal protections, we strive to create a positive and enjoyable living environment for all our tenants. Partner with Ascent Property Management for a rental experience that exceeds expectations and puts your comfort and satisfaction first.
If you own a rental property in San Diego, it's worth understanding the bigger picture around housing supply in the region. While cities like Dallas, Austin, and Phoenix added tens of thousands of new apartment units in 2025, San Diego's numbers hit around 4,700. That gap has real implications for the rental market here, for better and for worse. Supply Is Lagging. Demand Isn't. According to a RentCafe analysis of Yardi data, San Diego ranked well outside the top ten metros for new apartment construction in 2025. Compare that to New York (30,000 units), Austin (27,000), or even Charlotte (17,000), and it's clear San Diego is in a different category entirely. That's not for lack of trying. The city has actually been picking up the pace, permitting an average of 9,200 homes over the past two years, more than 40% above where things stood at the start of the current state housing cycle. Uptown neighborhoods like Hillcrest, Mission Hills, and Bankers Hill led the way for new permits in 2024. But even with that momentum, the city is still falling short of California's mandated target of about 13,500 new units per year. The shortfall is real, and it affects everyone in the housing market, renters and owners alike. More Renters, Fewer Options It's no secret that homeownership in San Diego is out of reach for many residents. High purchase prices and elevated mortgage rates have kept a large portion of would-be buyers in the rental market longer than they'd probably like. And since most new construction skews toward luxury developments, affordable and mid-range rentals remain in short supply. What This Means if You Own Property Here San Diego's supply constraints aren't going away overnight. Even with California rolling back some environmental regulations to speed up permitting, large-scale development takes years to materialize. For now, existing rental properties tend to see stable occupancy as a result. That said, "low supply" doesn't mean "effortless." Renters today have higher expectations around responsiveness, property condition, and value, and California's landlord-tenant regulations continue to grow more complex. Staying competitive means staying on top of maintenance, pricing, and compliance. That's where professional property management makes a real difference. At Ascent Property Management , we help San Diego landlords navigate a complicated market responsibly and efficiently. From keeping your property occupied to staying ahead of local regulations, we handle the details so you can focus on the bigger picture. If you have questions about how the current market affects your property, we're happy to talk it through. Source: San Diego apartment construction trails other major U.S. cities in 2025 , Axios San Diego. Data via RentCafe analysis of Yardi data.
As of January 1, 2026, a major change to California rental law is now in effect, impacting landlords and property owners statewide. Under Assembly Bill 628 , residential rental properties must now include a working refrigerator and stove as part of the basic standards for habitability. These appliances are no longer considered optional, they are now legally required for most rental units. Historically, many California rentals, especially in competitive urban markets, were leased without refrigerators or stoves, placing the burden on tenants to purchase and move their own appliances. This new law aims to relieve that financial strain and ensure safe, functional kitchens for renters. Going forward, any lease that is entered into, renewed, or amended on or after January 1, 2026, must comply with this updated requirement. The law specifies that both appliances must be in good working condition and capable of safely storing food and generating heat for cooking. If a refrigerator or stove becomes defective or is subject to a manufacturer recall, the landlord is responsible for repairing or replacing the appliance, typically within 30 days of receiving notice. While tenants may still choose to use their own refrigerator, this arrangement must be clearly documented in writing within the lease agreement. There are limited exceptions to this law, including certain types of housing such as permanent supportive housing, single-room occupancy units with shared kitchens, residential hotels, and facilities that offer communal cooking spaces. For most single-family homes, apartments, duplexes, and multi-family properties, however, this law applies in full. For landlords, this change means additional planning, budgeting, and documentation. Property owners should review their current lease agreements, inventory existing appliances, and ensure compliance prior to new lease signings or renewals. Failing to meet these requirements may expose landlords to habitability claims, rent withholding, repair-and-deduct actions, or potential legal disputes. At Ascent Property Management , we stay ahead of changing laws so our clients don’t have to. Our team actively monitors legislative updates, ensures properties meet compliance standards, and manages appliance installation, maintenance, and documentation. Whether you own one rental or an entire portfolio, APM helps protect your investment, minimize risk, and deliver a seamless experience for both owners and tenants. If you have questions about how this new law impacts your rental property, we're here to guide you every step of the way.
Owning a rental property can be an exciting step in building long-term wealth, but it also comes with a wide range of responsibilities. While managing your own property may seem straightforward at first, the day-to-day demands can quickly add up. From handling maintenance requests and communicating with tenants to addressing unexpected issues and staying compliant with local regulations, landlords often find themselves juggling more than they anticipated. Many property owners choose to self-manage, while others work with a professional property management company. The amount of time required to manage a rental can vary widely depending on the number of properties you own, your systems, and the level of tenant involvement needed. How much time does self-managing really take? Industry research suggests that landlords who manage their own rentals typically spend several hours each month per property. Time is often divided among addressing tenant concerns, coordinating repairs, collecting rent, handling paperwork, and managing inspections or marketing when a unit becomes vacant. While this may sound manageable for a single property, the workload increases with each additional unit you own. It’s also common for landlords to feel stretched thin, especially when property management responsibilities are added on top of a full-time job or other commitments. Why time commitments vary No two rental properties are the same. Seasonal maintenance needs, tenant turnover, and regional factors can all impact how much attention a property requires. A rental in Southern California, for example, has very different upkeep needs than one in a colder climate. The systems you have in place (such as automated rent collection or maintenance tracking) also play a major role in how efficiently you can manage your investment. When professional management makes sense For many property owners, self-managing simply isn’t the best use of their time. Partnering with a professional property management company allows you to hand off the day-to-day responsibilities to experienced experts. A property manager can oversee maintenance, tenant communication, compliance, and financial reporting, giving you peace of mind and more time to focus on other priorities. Ascent Property Management Being a landlord requires a significant time investment, especially when managing multiple properties or balancing other professional obligations. While tools and systems can help, the right support can make all the difference. With professional management and the right resources in place, the challenges of rental ownership become far more manageable, allowing you to enjoy the benefits of your investment without the constant demands on your time.
Buying your first rental property is an exciting step toward building long-term wealth, but it’s also a decision that requires clear planning, realistic budgeting, and a strong understanding of local regulations. At Ascent Property Management, we’ve helped new investors navigate these decisions every day. Here’s what you should know before taking the leap into rental ownership. Understand the True Costs of a Rental Property The financial structure of a rental home is very different from owning a primary residence. Expenses extend far beyond your mortgage payment, and it’s important to budget for all of them upfront. Rental properties typically require different insurance coverage than an owner-occupied home, landlord insurance often costs more because it must cover tenant-related risks, property damage, and sometimes vacancy. You’ll also need to factor in ongoing wear and tear , which tends to be higher in rentals due to turnover and general use. Additionally, if you plan to use a professional management company , build in monthly management fees and the cost of maintenance coordination. These expenses are predictable and often well worth it, but they should be part of your initial investment analysis. A rental property may look profitable on paper, but the numbers only work if you’ve accounted for the full picture. Know Your Landlord-Tenant Laws Real estate laws change frequently, and rental laws change even faster. Before purchasing a rental home, familiarize yourself with local landlord-tenant regulations, including habitability requirements, notice periods, eviction procedures, and security deposit rules. Many new investors underestimate how critical this step is. Even small mistakes, such as using the wrong lease agreement or mishandling a deposit, can result in penalties or legal issues. Staying informed protects both you and your future tenants. If you choose to work with a property management company, they will typically stay up-to-date on all regulations on your behalf. Keep Emotions Out of the Process It’s natural to have emotional reactions when you’re buying or renting out a property, but investment decisions should be guided by data, not feelings. Whether you “love” the home or feel frustrated by tenant damage, emotions shouldn’t influence your long-term strategy. Successful rental ownership is built on objectivity : Does the property cash flow? Does the location support strong rental demand? Does the condition of the home align with your budget? Answering these questions clearly will set you up for sustainable results. Ascent Property Management At Ascent Property Management, we help new and experienced investors navigate every stage of owning a rental property, from screening tenants and coordinating maintenance to ensuring full legal compliance. Our team stays current on local and state regulations, manages day-to-day operations, and provides transparent reporting so you can focus on building long-term wealth with confidence. Whether you’re purchasing your first rental or expanding your portfolio, APM is here to support you every step of the way.
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If you own a rental property in San Diego, it's worth understanding the bigger picture around housing supply in the region. While cities like Dallas, Austin, and Phoenix added tens of thousands of new apartment units in 2025, San Diego's numbers hit around 4,700. That gap has real implications for the rental market here, for better and for worse. Supply Is Lagging. Demand Isn't. According to a RentCafe analysis of Yardi data, San Diego ranked well outside the top ten metros for new apartment construction in 2025. Compare that to New York (30,000 units), Austin (27,000), or even Charlotte (17,000), and it's clear San Diego is in a different category entirely. That's not for lack of trying. The city has actually been picking up the pace, permitting an average of 9,200 homes over the past two years, more than 40% above where things stood at the start of the current state housing cycle. Uptown neighborhoods like Hillcrest, Mission Hills, and Bankers Hill led the way for new permits in 2024. But even with that momentum, the city is still falling short of California's mandated target of about 13,500 new units per year. The shortfall is real, and it affects everyone in the housing market, renters and owners alike. More Renters, Fewer Options It's no secret that homeownership in San Diego is out of reach for many residents. High purchase prices and elevated mortgage rates have kept a large portion of would-be buyers in the rental market longer than they'd probably like. And since most new construction skews toward luxury developments, affordable and mid-range rentals remain in short supply. What This Means if You Own Property Here San Diego's supply constraints aren't going away overnight. Even with California rolling back some environmental regulations to speed up permitting, large-scale development takes years to materialize. For now, existing rental properties tend to see stable occupancy as a result. That said, "low supply" doesn't mean "effortless." Renters today have higher expectations around responsiveness, property condition, and value, and California's landlord-tenant regulations continue to grow more complex. Staying competitive means staying on top of maintenance, pricing, and compliance. That's where professional property management makes a real difference. At Ascent Property Management , we help San Diego landlords navigate a complicated market responsibly and efficiently. From keeping your property occupied to staying ahead of local regulations, we handle the details so you can focus on the bigger picture. If you have questions about how the current market affects your property, we're happy to talk it through. Source: San Diego apartment construction trails other major U.S. cities in 2025 , Axios San Diego. Data via RentCafe analysis of Yardi data.
As of January 1, 2026, a major change to California rental law is now in effect, impacting landlords and property owners statewide. Under Assembly Bill 628 , residential rental properties must now include a working refrigerator and stove as part of the basic standards for habitability. These appliances are no longer considered optional, they are now legally required for most rental units. Historically, many California rentals, especially in competitive urban markets, were leased without refrigerators or stoves, placing the burden on tenants to purchase and move their own appliances. This new law aims to relieve that financial strain and ensure safe, functional kitchens for renters. Going forward, any lease that is entered into, renewed, or amended on or after January 1, 2026, must comply with this updated requirement. The law specifies that both appliances must be in good working condition and capable of safely storing food and generating heat for cooking. If a refrigerator or stove becomes defective or is subject to a manufacturer recall, the landlord is responsible for repairing or replacing the appliance, typically within 30 days of receiving notice. While tenants may still choose to use their own refrigerator, this arrangement must be clearly documented in writing within the lease agreement. There are limited exceptions to this law, including certain types of housing such as permanent supportive housing, single-room occupancy units with shared kitchens, residential hotels, and facilities that offer communal cooking spaces. For most single-family homes, apartments, duplexes, and multi-family properties, however, this law applies in full. For landlords, this change means additional planning, budgeting, and documentation. Property owners should review their current lease agreements, inventory existing appliances, and ensure compliance prior to new lease signings or renewals. Failing to meet these requirements may expose landlords to habitability claims, rent withholding, repair-and-deduct actions, or potential legal disputes. At Ascent Property Management , we stay ahead of changing laws so our clients don’t have to. Our team actively monitors legislative updates, ensures properties meet compliance standards, and manages appliance installation, maintenance, and documentation. Whether you own one rental or an entire portfolio, APM helps protect your investment, minimize risk, and deliver a seamless experience for both owners and tenants. If you have questions about how this new law impacts your rental property, we're here to guide you every step of the way.
Owning a rental property can be an exciting step in building long-term wealth, but it also comes with a wide range of responsibilities. While managing your own property may seem straightforward at first, the day-to-day demands can quickly add up. From handling maintenance requests and communicating with tenants to addressing unexpected issues and staying compliant with local regulations, landlords often find themselves juggling more than they anticipated. Many property owners choose to self-manage, while others work with a professional property management company. The amount of time required to manage a rental can vary widely depending on the number of properties you own, your systems, and the level of tenant involvement needed. How much time does self-managing really take? Industry research suggests that landlords who manage their own rentals typically spend several hours each month per property. Time is often divided among addressing tenant concerns, coordinating repairs, collecting rent, handling paperwork, and managing inspections or marketing when a unit becomes vacant. While this may sound manageable for a single property, the workload increases with each additional unit you own. It’s also common for landlords to feel stretched thin, especially when property management responsibilities are added on top of a full-time job or other commitments. Why time commitments vary No two rental properties are the same. Seasonal maintenance needs, tenant turnover, and regional factors can all impact how much attention a property requires. A rental in Southern California, for example, has very different upkeep needs than one in a colder climate. The systems you have in place (such as automated rent collection or maintenance tracking) also play a major role in how efficiently you can manage your investment. When professional management makes sense For many property owners, self-managing simply isn’t the best use of their time. Partnering with a professional property management company allows you to hand off the day-to-day responsibilities to experienced experts. A property manager can oversee maintenance, tenant communication, compliance, and financial reporting, giving you peace of mind and more time to focus on other priorities. Ascent Property Management Being a landlord requires a significant time investment, especially when managing multiple properties or balancing other professional obligations. While tools and systems can help, the right support can make all the difference. With professional management and the right resources in place, the challenges of rental ownership become far more manageable, allowing you to enjoy the benefits of your investment without the constant demands on your time.
