:As Chris said, they will likely want both your names on the lease but she will be sufficient to qualify you both despite your suspect creditWould it be helpful to have a letter from the collection agency handling my student loan rehab that I am in the rehab program and I have made all promised payments?

Also, the duplex is on the edge of small pocket of 70s built, trashy, low quality rentals but with new construction on one side and a gentrification program pushing in from the other.

I stumbled on the site while looking for residential leases and tenant screening programs for my first rental.

In the early 90’s, I was a realtor in Atlanta where I found success with the HUD Pre-foreclosure Sales Program.

We currently have 27 designated historic districts in SA, the "Federal Historic Preservation Tax Incentive program" offers a 20% federal tax credit for qualified rehabilitation expenses (must exceed $5k) in or around historical communities (May include Contributing properties 50 yrs or older).

Some of the credit agencies offer programs for a fee where you can get an idea of what would happen if you paid down or off or closed various trade lines.

One of the Local REI'S is offering an educational program called "CORE" that seems very interesting.

Extended rate lock programs provide a long term lock as a benefit to buyers but the cost for them are either an upfront cost based on a percentage of the loan amount or a rate premium added to today's current prevailing rate.

I received An Email from this EMDFunding which actually sounds like a great program but there is no contact info where you can actually speak to a real person.

I can't help you with that, but I do know you can look up special first-time home buyer programs offered in your area, like VHDA in Virginia will work with first-time home buyers, usually requiring a class, then they provide the extra loan for down payment funds on an FHA.