I am self employed, have proof of good earnings, have tax return from last year of more than $350k and an almost-800 point credit score -- and I've still had pr

I am self employed, have proof of good earnings, have tax return from last year of more than $350k and an almost-800 point credit score -- and I've still had problems renting here in San Francisco. My gf and I applied to a $3700/month place we can easily afford on my earnings alone and the landlord was really concerned by the fact we were both self-employed. She wanted to see all of my tax return from last year, all invoices from this year, etc etc -- which I wouldn't show as it's too far IMHO. It's not legal to discriminant here in SF, not even on income type -- but its difficult one to argue. The rental market is hot here, even now and good tenants can be found. I also know two cases of friends working on startups and not having a year's personal runway on the places they were renting during a startup. With no income, things got too tight and they had to walk away from a place and break their lease. A lot of landlords have had this happen to them over the years in SF, and the irresponsible behavior of these particular tenants has damaged things for all of us. Finally, a lot of my industry friends who have sold companies are landlords themselves here in SF -- they know the risks and (sadly) won't expose themselves to the same risks that they won big on. It's a shame. One company I advise, however, rents their place in return for stock in the company as the property owner is a VC.