These days, everyone has a story. If you can show that your credit problems were in the past, you might have a chance. If not, and you have funds available to pay the first and last plus a security deposit, you might want to make an offer like that to the landlord.
The biggest fear a landlord has is that the tenant won't be able to pay and will need to be evicted. In most instances, the landlord will be out money even with the quickest eviction and a security deposit. The extra months' rent might be enough to persuade the landlord to take you on.
Don't give up easily. Try to negotiate with the landlord so you both come out feeling comfortable with the lease.
If this landlord won't go for it, try someone else. Especially a for rent by owner. Those people don't usually have the means to run a credit check.
Keller Williams Realty
Thanks for your question.
The best thing to do is have your Realtor submit the offer to rent attached with employer's letter, bank statement with account number deleted so the landlord knows you have the funds to pay him. He may ask to see your credit report but send attached a letter of explanation so he/she knows the reason for the low score.
You have to let the Landlord respond after that.
Ines De La Cruz, Realtor, ABR
If you want a more detailed discussion of your situation, give me a call at 609-417-1086.