I would also do a rental verification, employment verification, and criminal background check on the boyfriend, assuming this is part of your current tenant approval process. 

They're from people who are contractors/self employed etc.  

You might be able to get in at 20%, depending on your employment status and credit score, but I think even 20% is going to be tough.Could you live in one of the units for a year?

Are you referring to candidates that you have already completed the screening process on,- credit, employment history, previous landlord etc.

When an employer adds matching funds, that free money to you!

If you or anyone you know is looking for full time employment in the field of construction, please have them contact me.  

For this reason, it is imperative that during the vetting process, you verify the applicant's employment status. 

Get full employer match4.)

I have a robust employment background which has prepared me for the career I believe, positions like, Sales Representative, Bookkeeper, Accountant, Financial Analyst, Research Analyst, Vice-President of Political Action and Chief Negotiator for my union.

For detail all in the same year; I totaled my car, I had to move in with family, struggling in college, employed as a Janitor with no clue to what the heck I was doing.