Actually, believe it or not, you are a better risk now than you think.
Though many out of a CH 7 have simply chosen to walk away from their debt and promises to pay, the good thing is, they can't likely can't go BK again for a very long time.
This is why back in 2005, lenders were giving them 80/20 (100%) loans. If they were not pure credit criminals and had shown they were trying to re-establish credit and had income, they were given the loan.
You could possibly use it as a possitive, explaining that you must make perfect payments from here on if you have any hopes of ever obtaining decent rates on loan, etc. And if you were to screw up and fail to pay, they could take you to small claims court and ruin your chances for credit.
On the mortgage side, a late payment afer a BK is a cardinal sin and you're out like the fat kid in 5th grade dodge ball unless you don't mind Hard Money Loans in the 9% range and higher
If you want some more tips about how to find a place to rent,, contact me, I'll help you and tell you what to do.
You can find a list of all of our available homes at http://WWW.Keyrealestateadvisors.com. Click on "Rental Properties" and it will give you a list and a map. We have hundreds of great homes throughout Lee and Collier County. We also have agents ready to help you find the home that is right for you. Please feel free to call us at 239-281-8086. Please let me know if there is any way we can help you.
Broker / Owner
Key Real Estate Advisors