Ian looking for a proof of funds letter, Can any body help ??

It is still an "adverse outcome", and you have to put a letter in writing (according to the FCRA) explaining that adverse outcome, and offering that the applicant can dispute the credit report and get a free copy of the report.If you look at debt, and require a certain debt-to-income ratio, then that would not be discriminatory (as long as all applicants have to meet that same required DTI).But now you state that "she had obvious claims on her income that could jeopardize her ability to pay the rent" - is the evidence for that taken from the credit report, or is that based on counting bodies listed on the application?

Nice commercial "work shop" type space in a decent area (auto mechanic, auto body, etc).

Fresh Paint.Located on quiet family neighborhood street with freeway access near main streets and shopping areas.

I'm just speculating of course as I haven't seen the records for myself.I'd suggest you shop them around a bit.

When the rest of the country was hurting horribly from the crash, City of Bakersfield was issuing building permits for new shopping centers. 

I also had a management company who did the leasing for me and the agent would shop for me to get things like pillows and fans and other small stuff if it was needed and I would reimburse her.

Mainly SFRs and small multi families.If you are interested in talking "shop" please let me know and perhaps we can help each other out.

Time to shop around bud!

We still discuss shop setup, tools, etc, but this analogy seems to carry over to local REI.