How to find your perfect apartment

I was in a big hurry to move to Manhattan when I got an email from a local real estate agent, who was looking for some “affordable” apartments in a high-rent section of Brooklyn. 

The agent wanted to find apartments that would be suitable for my academic work, and I thought, well, if I live in the city, I could find that too. 

My apartment, a two-bedroom apartment on the Upper West Side, had been my primary residence since I was 16, and my parents had been in the country for the past four years. 

But now, I wanted to make sure I could live there, too, as I had no income and no savings. 

“You’ve got to make some money to get by,” my realtor, Emily Schulte, told me. 

I was looking to save, and Schultes, who has an MBA from Stanford, had some tips for getting started. 

Here’s what she told me about the first few steps to becoming an academic: Make sure you have a stable income. 

It doesn’t matter what your major is, Schultet said, “but if you’re a humanities major, a finance major, or a history major, make sure that you can live off your degree. 

For me, that meant working part-time or taking out loans to pay for housing, transportation, and even food. 

You can’t live on the money you earn, but you can pay for living expenses. 

If you don’t have a job, you should make a living wage.” 

Get a mortgage. 

Even though a mortgage is not an obligation, Schulet advised, it can help. 

Most lenders require you to have a minimum down payment of 15 percent of the house’s value. 

That way, you can save on monthly mortgage payments and still qualify for a good rate. 

Also, if you don