Put your special circumstances in writing with your application. In some cases we can accept no rental references if you have good credit and a co-signer. We will consider your application if you have a foreclosure. If you have filed for bankruptcy, it must be at least 1 year ago and you must have reestablished at least 2 lines of new good credit for six months. Review application requirements for specific details on qualifying for a particular property. Each property may be different depending on the rent amount and the owner’s requirements. We comply fully with the Fair Housing Act, http://portal.hud.gov/hudportal/HUD?src =/program_offices/fair_housing_equal_opp/FHLaws/yourrights..