Their credit score is high but there isn't much of a rental history since they stayed in an owned home before.

There's too high a probability that the single parent evictee is having this lady secure housing for her.

If you can figure out how to get a quality asset and manage the risk you can do great. 

On the Yardi website is a search tool for independent contractors.  

My one concern so far with their application, though, is their combined credit card debt, which is four times that of the average US household, and twice as high as the average for their income bracket (they also have student debt and an auto loan).

., It's highly doubtful that this will hurt you as long as your CPA continues consistently with the reporting path they recommended. 

Especially, in some areas of the country were appreciation is high.

So, I focus on her wonderful qualities and understand that marriage is a compromise. 

You can also go to the Wyoming Secretary of State website to get the forms and do it yourself for even cheaper.

Even if it is not a requirement to have a high credit score for approval most asset-based lenders will use the credit score to determine your rates and terms based on your risk factor.