But I thought to ask for opinions here in regard to this latest thing - The PM advertised, showed the house, and came up with a nice insurance single guy with 790 credit and a completely blemish-less past.  

They should have taken digital pictures of their own documenting each of these blemishes to protect themselves.  

Smooth drywall shows blemishes much more than the textured stuff.

You'll be forced to take legal matters which will effect their chances of finding a rentable place in the future not to mention blemish their credit report.Hope this helps

The two most concerning blemishes to me are the lack of verifiable income and the outstanding debts.

An hoest ten a bit will reveal any blemishes (bk, student loan default, medical collection) that you can verify which will add a few "credibility points" with me if I'm going to consider them.

.- They respect the law and do not want the blemish of civil proceeding to appear on their "record."

@Tori Parker  @Kris Taylor  & @Alberto Artasanchez make good points...be listed as occupant and be prepared to have your credit ran...If you feel it is going to harm the situation...then let them know up-front and explain your credit situation...Most people in this country have had some rough credit bumps in the last few years...The biggest concern of the landlord is getting paid their rent, and making sure they are renting to good tenants that will take care of their property.So when righting a letter explaining your situation don't try to make excuses or place blame on other people for credit blemishes, but explain what actually happened, and how your situation has improved now so you won't have this same issues going forward.In most situations they will appreciate you being up-front.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenants: Majority will have FICO scores of 680+.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenants: Majority will have FICO scores of 620+, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

THIS HOME IS PRICED ACCORDINGLY FOR ALL ITS BLEMISHES.