One thing I dont like about cozy.co is that it didn't provide me with the SSN/DOB of tenants, which I would need to make sure any evictions I suffer through get on their credit report. 

@Mike McCarthy, not a bad idea except I had him give 2x deposit since he had bad credit back then.

-Brother has a sub-par Credit score, & Income.

You didn't mention your other bills, like credit card debt, car payment, child care, etc so I'm assuming they are easily payable or nonexistent. 

At my 5 year mark, they sent me a keychain, a plastic plaque type thing the size of an index card, and a "gift" of my choosing, which I researched and found the highest value gift was worth about $10.

What is your credit score?

Also, if you have more than one credit card (MC/VISA), use one exclusively for rental, will help keep track of expenses. 

I'm having a large hiccup because I'm fixing my credit but at least I know what it is that I ultimately want to accomplish in my life.

Robert, if you're concerned with the interest rate I would say your credit score is the 1st place to start.

Ok here is my situation I have credit in the mid to late 6s my gf has the same....