You can also compensate by increasing the credit limit of the individual card.The end result:- Way easier expense management- Similar level of available credit (more available credit is good for your credit score)

I did Kaplan home study course with the open book tests then bought the practice quiz package for $50 a week before the test and took about ten 50 question tests until i was scoring 80-90% on each one.  

The other aspect is reestablishing acceptable credit after a discharge, were all bills paid as agreed, is financial responsibility demonstrated, not just a credit score going up.

I use 600+ score and 3x income to rent and mine rent around $1,275 on average.  

I don't think there's a way to 'get around' the credit score - other than potentially putting substantially more down. 

USDA (we are only looking at USDA eligible properties) usually requires 3 years, but we've been told since the BK was due to hardship (wife was out of work for 18 months), we were never late on the mortgage, and we currently have 680 FICO scores that getting a waiver would be no issue.  

If you're an investor you can usually negotiate a lesser fee (less than 6%) using the possibility of repeat business as a negotiation tactic.

Not tied to property, based on credit score and credit profile (# credit cards, limits, length of relationship and % usage of total limit).

It has been over a year now and I want to refinance out of it but my credit score is low.

680 min score.