Regardless of credit you should be able to find a place to live in Phoenix. I cannot imagine that credit will cause you to become homeless. You will find that one landlord or another may have different standards and in some of many cases there are owners that will not rent to someone for one reason or another. Will you be able to rent something? Yes. Will you be able to rent everything you like? Possibly not. Put together a letter to a landlord detailing why you were not able to meet you debt obligations. Prepare bank statements showing a reserve. Prepare paycheck stubs showing income sufficient to pay rent. Look only at rentals that are 30% or less of your income and within your budget. Keep in mind that Pets, Inside Smoking and other situations can make things harder as well. Combine too many seeming negative factors and you might find renting very difficult.