Another way is to offer additional security up front. If you have cash available, someetimes you can write the lease so that you give an additional X amount of rent up front that will cover at least 3 months rent. You can use that money to pay your last months' rent for as many months as you have prepaid. This will give the landlord a financial buffer in case you default and he has to evict you. That's a landlord's biggest worry is that you won't pay and you will have to be evicted which can take a few months. And finally, if you have someone willing, a co-signor is another option.
Watch this video on the two options we offer; http://realestatemarbles.com/jscordova/2011/03/11/show-me-th
Joseph S. Cordova NMLS# 146855
Lincoln Mortgage Company
8003 Lincoln Drive West, Suite F
Marlton, NJ 08053
office: (856) 810-1200 ext. 242
direct fax: (206) 333-0946
cell: (856) 304-2381
There's still hope for you and your fiancee , don't stop searching and ask help from a real estate agent. If you need help let me know. Good luck to you and your fiancee.
Frankly, you probably can't buy a home for 3-4 years unless you're able to find owner financing. But you can rent. It'll still be difficult, but you'll find that some landlords are flexible IF they've got a good assurance that you'll pay on time. But foreclosures, evictions, and repossessions . . . honestly, those are big hills to climb. Maybe find someone with GOOD credit (relative, friend, etc.) who'd be willing to cosign. Some folks suggest offering a large amount up front--ie., paying 6 months of rent upon moving in. That could help, in some cases.
The other thing is--if you both have rentals already, though it might be very tight, can you all squeeze (and conform to your current leases) into one of the two properties?
Unfortunately, there isn't a simple answer. But maybe some of those suggestions will help.