: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?

You'll probably want to go with a broker, most direct-to -customer insurance agencies deal more with SFRs.

In this case, this real estate agency/company was very small, owned by a single broker, and that broker's license was taken away.

So a derogatory line from 10 years ago (according to the date reported to the agency) has less of a negative affect than one from 2 years ago.

However, because I have no proof that he isn't paying the rent, I don't know if I can submit information to the credit reporting agency.

HUD offers the home to government agencies, not investors for $1.

I spoke today with a compliance investigator in Colorado Attorney General's office, who informed me that if I purchase a loan in default and eventually have to move to foreclose, I will not be allowed to foreclose without my company first obtaining a collection agency's license.

Or answer the phone at a Real Estate agency.

Contact the real estate agency and tell the broker in charge that you have changed your mind and do not want to sell your house.

I thought they had their own housing service/coordinating agency