People twice my age were sprinting right past me.

You are not a 24 year old girl, you are 24 year old professional so be proud of what you can accomplish at such a young age and don't hide it from anyone!

A lady who wants to pay the deposit + the first 6 months rent (the entire lease) upfront that way we aren't bothered with it every monthORA lady who is employed by a local strip club via 1099 (who provided an employment verification letter stating that she earns an average of $8000.00/month).This is the real situation after tonight's showing.

The proof you need to remove this condition from harming your loan approval will be to prove that you were "not," obligated on this debt that is current going through a modification or shortsale.I saw that you mentioned "currently going through modification or shortsale," if they find that you're obligated on this note/debt then your loan may be shot depending on what the verfication of this mortgage comes back with.Here are the steps the underwriter will probably ask for:- ask for mortgage note to see if you're obligated on this debt- run title profile or obtain a title report to see if you're on title- then run a VOM (verification of mortgage) to see what the mortgage rating and payment history has been on this mortgage (if you're obligated)- update the file accordingly and run the file through the current guidelines to see if you still qualify

There is definitely a reason for this as I had all three of my children go through recreational soccer and I know how fragile their egos were at that young age. 

Once you get an offer, you should get financial verification so you are not negotiating and wasting time on anyone who is without a snowball chance of buying the property.The OP's question is to screen before showing the property.  

Agreed, although most of those items can be obtained through automated methods.The past landlord, and possibly the employment verification (some information may be on a credit report) usually take the longest. 

So let's start from the beginning and see what other ideas pop up.I'm just  a middle-aged guy with two small kids whose wife wants to move to a better school district.  

If your realtor doesn't understand the importance of that first touch of how everyone shops for houses at this age, you might want to consider getting another realtor. 

Comes back clean and I'll call previous landlords for final verification.