Note that often you're not discussing your suitability to rent with the landlord, you're discussing with their agent, like the property management company which actually runs the place.
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So when the agent says "The landlord prefers I don't rent to foreigners" you can say something like: "Oh, clearly the landlord meant that they didn't want *those* foreigners, but I'm well-versed in acting like an adult, socially established, fluent, etc. Let's have a meeting."
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But it's a lot harder to talk around a unique employment situation. This is not primarily for financial reasons; merely flashing Obvious Ability To Pay signals negatively about your social stability and degree of not-likely-to-cause-problems-down-the-line.
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As a direct consequence, when I got written about in the Nikkei, I ordered five print copies. They're currently sitting in a safe deposit box against the possibility that, at some point in the future, I might need to e.g. rent an apartment as an entrepreneur.
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Side note: credit scores are an underappreciated technology for justice. They make make it cheaper and more reliable to have a computer run a heuristic than to have a human practice retail discrimination as a defined standard operating procedure.
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Ugh. Thinking of moving to Japan. Saying I won't be able to rent a place. Maybe I should buy?
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You'll be able to rent a place; you'll just find it a much, much more annoying process than you're probably used to, and you may need an excessive amount of assistance from socially established folks to make it happen. (Unless you could buy with cash, getting mortgage harder.)
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Perhaps. But let's not dismiss the 'anti-prefer' situation completely. I was a public servant with a Japanese wife and children, and we went 30 for 30 baseless rejections in Sendai trying to rent a house...
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Holy cow, even Ogaki was not that bad. (We estimated something like 40~60% of the pool in town was closed.)
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I went through this back in dot com one. Being a foreigner wasn't an issue (I always pitched "American"), but when I sent the app to the landlord got rejected because the company was "too young". They were very frank said "we wouldn't rent to anyone whose employer is so new".
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