If someone offered you 4.75% with a small charge I would contact them again today to see if that is a lockable rate and cost.

Open a credit card and make a few small charges and pay them off each month. 

It's a lot of small charges built up over time, but it produces steady income and can be more profitable than sales.10% of a $1,500 rental is $150 a month.

There may be a small charge for road maintenance or if another tenant has gone bankrupt, you may have to help pay a portion.

Also, pretty sure Cozy doesn't list to Zillow, Zumber, and Hotpads all at once like Avail does.Avail also has a free plan and assesses a small charge to the tenant for payments (though you get your payments in 3 days versus 8). 

Jamie the only reason they charge money there is because they rent a space for these meetups, they have coffee and water. small costs, small charge, good information and everyone u meet is from Winnipeg it's a good networking opportunity for sure. the only thing they try to sell is there membership fee which is like 350$ a year which is so u can go to all there meetups without worrying about paying there 40$charge. 

Work two jobs, one for at least 2 years (stable employment with health insurance), the other could be temp jobs, or a side job working overnight in a pool room in a decent neighborhood (or something like that).Pay for sack lunches, homemade dinner and breakfast, car insurance, an inexpensive car with a good A/C and heat, holiday gifts for favorite relatives, and stay with parents for free (or a very small charge).Parents hate you and say you can't live there, get a cheap room in a nice neighborhood with similar aged people.Bankroll up your cash reserves as much as you can.Read Rich Dad Poor Dad. 

Some companies that have a buffet of charges will be able to do it with smaller scale because they are dinging you or the resident constantly for small charges.  

They recently implemented  a small charge to list for rent.

A small charge us expected as it pays for the initial screen and serves to weed out all but serious applicants who meet the leasing criteria.