In my area an HVAC program costs $3456 a school year. 

My community college does not have any program like the one I'm looking for.

We were trying to decide if it is worth taking the time to learn a program. 

:As Chris said, they will likely want both your names on the lease but she will be sufficient to qualify you both despite your suspect creditWould it be helpful to have a letter from the collection agency handling my student loan rehab that I am in the rehab program and I have made all promised payments?

Also, the duplex is on the edge of small pocket of 70s built, trashy, low quality rentals but with new construction on one side and a gentrification program pushing in from the other.

I stumbled on the site while looking for residential leases and tenant screening programs for my first rental.

In the early 90’s, I was a realtor in Atlanta where I found success with the HUD Pre-foreclosure Sales Program.

We currently have 27 designated historic districts in SA, the "Federal Historic Preservation Tax Incentive program" offers a 20% federal tax credit for qualified rehabilitation expenses (must exceed $5k) in or around historical communities (May include Contributing properties 50 yrs or older).

Some of the credit agencies offer programs for a fee where you can get an idea of what would happen if you paid down or off or closed various trade lines.

But if you can find the property which can qualify as rural, then you can finance.As an example, farm labor housing is multifamily and there are specific programs inside the USDA portfolio which target those types of properties.