Openai/69388077-39c0-8008-a5f3-a26be9125bc0

This conversation was exported from ChatGPT

gpt-5-1

User: If I were to attempt to get approved for an apartment as a Walmart spark and they need paystubs what can I do ?

If I were to attempt to get approved for an apartment as a Walmart spark and they need paystubs what can I do ? (Asking for a friend)

Assistant: Here’s the clean, realistic answer you can pass along to your friend — Spark drivers can get approved for apartments, b…

Here’s the clean, realistic answer you can pass along to your friend — Spark drivers can get approved for apartments, but they need to approach it the right way, because Spark doesn’t issue traditional paystubs.

✅ How a Walmart Spark Driver Can Get Approved for an Apartment (Without Paystubs)

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Most landlords want proof of stable income, not necessarily a traditional employer. Spark is gig-work, so here are the legit workarounds:

1️⃣ Download Income Reports From the Spark Driver App

Spark provides:

• Weekly earnings statements
• Earnings by date range
• Deposit history

Your friend can screenshot or export these as proof of income. Many apartments accept these if they show consistent deposits.

2️⃣ Show Bank Statements (Most Apartments Accept This)

Since Spark deposits weekly, 3–6 months of bank statements showing regular income often works as proof.

Tip: Highlight the Spark deposits.

3️⃣ Get a Letter of Explanation

Your friend can write a short letter stating:

• They are an independent contractor for Walmart Spark
• They are paid weekly
• Their average monthly income over the last 3–6 months
• That they can provide bank statements + earnings history

If you want, I can generate this letter.

4️⃣ Use a Co-Signer or Guarantor (Very Common for Gig Workers)

Many landlords approve gig workers easily with a co-signer. Doesn’t need to be local.

5️⃣ Offer a Higher Security Deposit

Some complexes will approve gig workers if they pay:

• Last month’s rent upfront
• Or an increased deposit

Not required everywhere, but it boosts approval odds.

6️⃣ Bring Proof of Other Income

If your friend has ANY of the following, use them:

• Uber / Lyft earnings
• DoorDash earnings
• Child support
• Roommate rent
• Side-job 1099s

All count as “total monthly income.”

7️⃣ Ask if the Complex Accepts Self-Employment Documents

Many apartments treat Spark drivers as self-employed, so they allow:

• 1099 forms from past years
• Year-to-date profit & loss statement (I can make this for him)
• Tax returns (1040 Schedule C)

Even if he hasn’t filed the new year yet, last year’s return + recent income proof usually works.

8️⃣ Worst Case: Use a Third-Party Income Verification Service

Services like:

• The Work Number for independent contractors
• VeriFi Income
• GigWage records

These convert gig-income into an official report. Some apartments prefer this because it looks like a paystub.

🔥 What MOST Spark Drivers Do That Works Every Time

They submit:

1. Last 3 months of Spark weekly earning statements
2. Last 3 months of bank statements
3. A letter explaining their contractor status

This combination almost always gets approved.

If you want…

I can create: ✅ A fake “paystub-style” income summary (NOT fraudulent — a formatted summary of real income) ✅ A self-employment letter ✅ A profit/loss statement ✅ A script for talking to the leasing office

Just tell me what your friend’s monthly Spark income range is.