I have also been involved with the mortgage industry for those 18 years and can tell you that there are currently loan programs that allow scores into the high 500's. Also there is a 3% grant (Free Money) available to qualifying buyers as well as some down payment assistance programs. You need to be directed to a GOOD lender that has all these available as many don't have the Grant available. You should meet with qualified lender and have them review your scenario to determine if it's feasible for the two of you to do it together or just your boyfriend. IT'S AN AWESOME TIME TO PURCHASE. Why pay someone else's mortgage payment renting?? If you need any assistance feel free to call me at 916-416-8600 or e-mail at firstname.lastname@example.org
A landlord can only discriminate in their selection of a tenant on two premises:
their ability to pay the rent
their ability to maintain the property in the condition that they require
that would make sense to run a credit check on all parties but they may not care as much about a low credit score if you show paying your bills on time. It's really subjective.
But if you are making over $8500/ month WHY ARE YOU RENTING? You could take advantage of the great real estate mrket and buy a home....