Misdemeanors or felony convictions against persons or property within the past five years are not acceptable.

Then I run credit report and see they both have multiple accounts that went to collection (mostly medical bills) and the man has 2 convictions in 2015, class C misdemeanor for possession of drugs and driving while license invalid.

He couldn’t live with either of his two sisters or his daughter, because all had Section 8 vouchers that prohibited residents with criminal convictions.

Just as an example while running backgrounds recently a tenant applicant had multiple convictions for theft and fraud.

(a) Any person violating any provision of this Article, the rules and regulations of the Director, or the conditions and requirements contained in the permit, as any or all of such provisions, rules, regulations, conditions or requirements may be amended, shall be deemed guilty of an ordinance violation, and upon conviction thereof shall be punished as provided in Section 34-864.

@Fred ShatzoffYes, I'm sure there's some tire kickers out there right now with not enough conviction to follow through, but it's an uncertain time and smart they at least did the research

Well, as long as a conviction takes to carry out, a foreclosure takes even longer.

Your conviction will be key in this time! 

Haha....ok I'm joking, kind of...All those things are important, but first is credit score(700 or better preferred, can go lower if other conditions are optimal) and no previous evictions, no felony convictions(especially violent or sexual).

Just because you state it with conviction doesn't mean it's true as my Dad used to say.The main difference may not be intelligence or willpower, but it is living and savings habits.