Renting in America has become an uphill battle lately... Just got rejected for an apartment even though we make over 7 times the rent amount. I have some medical collections on my credit report, and they are asking for a cosigner.

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Have you tried resolving the medical debt in the collections? Try to put yourself in the landlord’s shoes. Would you trust a stranger to rent with debt that went to collections? Even if you do have high income, the fact is the debt exists and I’d be concerned about your ability to pay even with the means so I would’t hold it against them.

Just keep trying, not all apartments are strict but you may have to settle for less than the nicer ones.

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I’d also recommend resolving the collections. For my tenants, credit score doesn’t matter as much as collections and evictions do. It’s your business if you want to carry debt for 20 years, but to not pay on that debt at all means you probably will decide not to pay me as well.

Use a guarantor service.

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Thanks for the advice

:(

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