Bank statements as-income-documentation will also be tough, since these programs tend to like steady income, not income that comes in fits and starts (eg, flips)... many alt-doc lenders even specifically exclude income from real estate activities from being considered (this isn't a protected class like gender/race/familial status/etc). 

This is obviously a roommate situation, but I was under the impression that only an owner-occupied unit creates the ability to discriminate/prefer things such as gender, it doesn't seem right that a tenant can block a landlord from bringing in a new tenant whose sex the current tenant doesn't prefer.Is this right of refusal really extended to other tenants already inhabiting a unit, or does this turn into a Fair Housing situation, where no discrimination can be practiced, since the owner does not live in the unit, merely a tenant who is complaining that she does not want to live with a male.

Hard to mix genders together, which usually means you end up with a frat house full of guys.  

The scores themselves are not a valid prediction of paying rent and there's strong racial and gender bias baked into the score. 

This is not about gender but about choice.

This new partner could be either gender but I hope you would partner with someone who has money and experience (or at least one of those two).  

but it turned out the contractor was pretty much screwing me over (I hate to pull the card, but I think it was a gender thing) so learn from me, just have a backup plan.

Avoid Discrimination: Do not reject applicants based on any protected characteristic, such as race, religion, gender, disability, or family status.

Federal Fair Housing regards discrimination based on race, color, national origin, religion, gender, familial status or age, and disability.

You do realize you can't discriminate based on gender, right?