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Updated about 3 years ago,
I am a Hood Landlord
Not only that I rent to people that most people here would disqualify on grounds of credit history. In fact I don't know the credit history of any of my tenants - never checked it.
Yes I check stuff, yes I have grounds for rejecting applicants, no the state of their credit isn't one of them, yes I know some people here will get apoplectic about that, no it doesn't make any sense to do that for the demographic that are going to apply for a rental in the hood.
So with that out of the way and it is relevant context, I am going to post about conversation had with one of my tenants last week.
Me: Hi it's starting to get warm and I noticed last year the house seemed rather hot in the summer are you alright for air conditioning.
Tenant: We ok Mr O, we got some air conditioners last year.
Me: Really, you bought portables.
Tenant: No we bought some had someone install them in the windows.
Me: You should have told me you needed that I would have got it for you.
Tenant: That's ok Mr O.
Me: Do you have the receipts so that I can reimburse you.
Tenant: You don't need to do that Mr O we are ok.