@Tony Mai Have you tried credit unions?

Our primary house is a fixer upper that I have been fixing little by little myself and over time that run into 25k credit card debt.

But if they have bad credit or eviction you can deny regardless of sec 8 qualifications as long as you deny every applicant with bad credit or a eviction You can turn away Sec 8 on the grounds that your properties do not qualify as you are not registered or had approval from the program. 

Some tenants may have some money but not the credit to qualify for a loan. 

When you guys file your annual taxes this amount will be credited to what you owe, or refunded if it is more than you owe.

If they are not co-brokered it could be just how it went down but it could also mean that your agent is entertaining only direct inquiries to earn full commission and is not interested in cooperating with other brokers in the market where the commissions will have to be split!  

Now the prospective tenant claims Trans Union is not allowing their credit report to be released.

I wanted to propose taking the property off their hands as follows: I'll bring the mortgage current, which will save their credit.

The problem is how to make a homeowner feel secure that I won't flake out on the mortgage payments in the future, thus damaging her credit.

I never trust prior landlord reference, if the credit, income, background checks out I accept.