My credit score is horrible due to some poor decisions I made last year in acquiring close to 10,000 in debt that I have yet to finish paying due to not being able to find a job that I like (I have since chosen to work any job I can my hands on). 

Every month the financing requirements are loosening up. 8k-10k credits for 1st time home buyers, changing the way credit scores are calculated, 100% ltv in home equity lines of credit.  

I am a medical assistant and make decent money and have great benefits but would love to improve my cash flow and create strong equity as I have little to none at the momentI am currently looking at a few multi family homes but in the issue of figuring out how to finance it as I dont have the substantial down that most are looking for and my credit score is not great (but i am working on that and should be much stronger within the year)cant wait to chat with you guys!

Since it is Month to month ask if they would sign a new lease your version with your terms. 

He has the 740 credit score and my credit is bad.

I've developed a pretty solid criteria of what I'm looking for, and am happy to share with interested parties.What I lack is a credit score (Denver native, but lived abroad for 10 years, and never have owned a credit card or taken a loan.)  

Down money isn't the only qualifier -- they of course look at credit score, time at job, earnings (whether it's salary or commission, it's still W2 income)  and they'll offer suggestions as to how or what you can do to improve your situation.

She is a 50 or so years old who would afford a 100% or the rent , she has indicated in her application that her daughter (30ish) and granddaughter (11) will be living with her, they are under the occupant section of the application.This lady has a clean record, good credit score and stable job with the county public school system. 

In the original versions, no appraisal was required, no PMI on loan structures with less than 20% down and investment properties could be bought with as little as 10% down.

There are versions of this all over the internet.