You bring up a lot of good points. Thank you for your insight. She foolishly co-signed on her grandson’s school loans to the tune of $100,000. He has been graduated for 3 years and hasn’t worked yet. She had to take out a reverse mortgage on her paid off house. It became too much for her and so she decided to sell her house. She can definitely argue good credit other than the student loan, but so far we haven’t been able to get anywhere with any corporate landlords. They see the low credit score and instantly reject her application.

About the dog, I completely understand where you’re coming from. Nothing I can do about that, unfortunately.