As it turned out, her daughter was a volunteer coach on my daughter's tee ball team, and was someone I had struck up a friendship with.

I cannot get a normal mortgage in the US as I have no history there, and a UK bank will not lend on overseas property unless I put up a UK property as security.I have looked briefly into asset finance.

I want to take a moment to provide the following information regarding evictions: SmartMove offers eviction reports with one of the largest FCRA databases containing approximately 24 million+ records Enhanced record matching enabled SmartMoveto release eviction reports with robust data Enhanced record matching leverages TransUnion’s credit bureau file (including known aliases and a history of up to 20 addresses) to match records with the eviction database Offers more accurate record matching based on name and address history National eviction records cover all 50 states, DC, and Puerto Rico and include: Court filings Monetary judgments Possession judgments

I'll bet you have lots of stories about the history of that deal.

I do believe in "Rewarding" great tenants but when it's something so black and white as a gift card, it is tough because other tenants quickly know...Personally, I would give "A" the card THIS year given her stated good history then maybe discontinue the gift card program, or clarify it in black and white for yourself.

That said, there are government agencies or non-profit groups in several provinces who will assist you with getting control of your situation and repairing your credit history.  

The SIC code, the history of purchase etc.

I remember three years ago I was doing a shower wall in a cold basement and troweling too-stiff tile mortar on the wall, an utter despair of the soul welling up in me, wondering how my life had come to this from what I imagined it would be when I was in college, when my parents celebrated every academic achievement with enormous pride.And I'm a big guy with a long history in DIY, an extensive family history in renovation.

Did these people have a solid rental history before you let them move in?

I used Regions Bank and I don't have a W2, I have a corporation with less than 1 year history and was approved.