Voting Question: Rent apartment with bad credit?

OK, meet a some eld ago, my spouse and I both had FICOs in the broad 700s. But then every member of our kinsfolk ended up in the infirmary for long stays for assorted reasons in the aforementioned year. Even with field scrutiny insurance, the MINIMUM monthly payments on our scrutiny bills were most coequal to a years' worth of mortgage payments. We had no pick but to enter bankruptcy. In the meantime, with both income earners existence discover of impact for a while and our mortgage payments skyrocketing, we apace realized that we couldn't ready up with the mortgage payments, modify if we unnoticed the scrutiny bills. In an try to spend our home, we practical finished Ditech / GMAC to hit our give modified, as President Obama was throwing zillions of dollars at GMAC and another banks, and solicitation the banks to support homeowners meet same us. GMAC sat on our honor for some months, attractive no action. The exclusive contact aggregation for GMAC give change was a voicemail sort where sound calls were never returned. Finally after over half a assemblage of disagreeable to intend our give modified, we got a honor stating that we were ineligible, as a VA give (SUPPOSEDLY) could not be modified. So I titled the VA to wager if they could support me, and I was told that they could indeed support me...if I'd practical for support meet a some life ago... Basically, GMAC stalled my give change honor until it was likewise late for the VA to support me finished a kindred give change program. The bastards. To add insult to injury, today we are effort threatening letters from GMAC stating that if we are having pain stipendiary our mortgage, we should study applying to hit our give modified. That's most sufficiency to throw me into a murderous rage... But anyway, we are feat to hit to "walk away" from our bag now, we hit no pick in the matter. We can't give the mortgage commercialism which has multiple in the terminal some years, such of it the "escrow" assets (local tax increases are ending us...and we aren't alone) Meanwhile, before we bought our home, we (my spouse and I together) rented for individual years. We hit superior references from preceding landlords, but we haven't rented since same the invoke of the century. Now I'm hunting for apartments, and the exclusive ones I would poverty to springy in (read: not in broad evildoing areas) require assign checks. After insolvency and travel absent from our mortgage, I don't modify poverty to KNOW what our assign inform looks like. It's scary, I'm sure. I strength study attractive meet some older apartment at first, but we hit a infant girl now. I requirement to intend into a beatific neighborhood to ready her safe, not to mention ownership my spouse and myself safe. So what's the prizewinning approach here? A "cosigner" is not an option...the exclusive qualifying we undergo who would be selection to do it has worsened assign than we do (believe it or not). What we hit feat for us: - Both employed now, earning more money (total) than we've ever earned. - Good references from digit preceding landlords (but no RECENT rental history) - We've been able to build our fund to the saucer where we could pay a full assemblage in front for rent, if necessary. Will this be enough? We're hunting in the Southern New county area, if it matters. Manchester/Merrimack/Nashua, roughly. On a side note, some landlords in the area selection to support us, please intercommunicate up!
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