Yep. I have bad personal credit (< 600) due to a cash-strapped entrepreneurial background and a strategic default, and it took over 10+ apartment tours before w

Yep. I have bad personal credit (< 600) due to a cash-strapped entrepreneurial background and a strategic default, and it took over 10+ apartment tours before we found someone willing to rent to us--at any price, and with any amount of up-front deposit--once the credit check came back. I doubt most of the folk we dealt with would have taken us on even if I had offered to pay a full year's rent up front. It's just not worth the bother when there's a dual-income, no-kids couple with good credit next in line.