At this point, we want to move out the tenant and providing generous move out package - one month hotel stay, one month rent back, hold fee for next apartment etc, but the tenant is not -cooperating and also blackmailing us based on situation.

Even credit unions.

I need help and advice about choosing a lender to finance this first house I have a great really good credit score, and the job I have been offered in Charlotte pays well so the banks like that but I do not have very much money to put down.

Experience and credit score are smaller impacts.

Hi would you rent to a graduate student newly arrived from west europe with no credit history, income or domestic guarantor?

@Charles Stanback ,Population growth, job growth, crime, schools, taxes, occupancy levels, labor availability, etc. are just some of the factors that play into it.Larger macro-economic things like credit markets can also have an impact at a given time,

These are young professionals who probably dropped 200k on an MIT education and you think they are suddenly going to destroy their credit and ability to rent in the area where all of the jobs in their related field are because they can't come up with rent?

A better strategy would be to get your finances in order, get a job that pays well enough to save, and when you have saved some and have built your credit, look into real estate.

We both have credit scores of over 750When we move I will have about $65K in liquid cash or so for a down payment on a house.

You can try local credit unions or small banks in your city.