This is what you need to do: On the rental application, your husband who is earning the income and has average credit will be the PRIMARY applicant. You will be secondary. Explain to the landlord or property manager that they need to process the application based on your husband's income and credit only - not yours. Do you have a job in the area? Is your income needed to pay for the rental? If yes, then explain that your income is needed but your credit should be secondary. You may need to pay 2 months rent upfront + 1 month rent for security. If necessary, offer 1 additional month rent. Also expand your search area.