With regards to credit qualfying, you will need a 620 credit score in order to qualify. It's important to understand why your score is where it is and the steps needed to boost it to an acceptable range. I'd be more than happy to discuss matter further.
You would be better off working with a credit repair company. I have a few I can recommend, if you are interested.
Time is only one factor in repairing credit. Plus, if your credit is not good, you could have trouble finding someone to rent to you.... more