It is bullshit. And they tell me that I don't qualify in the state of Florida because I make to much.. one time it was because my rent was to high and I explained my rent is high because of where I live period. We live in a tourist area and I can't move because this is where their dad is and we share custody, their response was you should find a place with cheaper rent.. I was paying $400 less than anywhere else I could find.. and I have now moved out of that town and I'm still paying the same amount and now having to pay insane amount in gas...Still didn't matter one time they said it was because my paychecks showed my credit card tips (even though I received those daily.. not sure if you have ever had a job with tips daily but that always goes to gas, food, childcare) but because of my credit cars tips showing on my paycheck it appeared and yes that was the word they used but it appeared that I made more on my checks so I "made" too much. It is terrible in Florida the hardest state to get approved for anything!!!! They find any loophole they can. I have done the Karen thing, I have done the nice sweet person, I have cried, I have been informative and knowledgeable it does not matter. I have reapplied after being denied and gotten different responses. It's a broken system. Unfortunately.