I was a property manager for many, many years. One day I interviewed a rental applicant who had a very good job, made very good money, but also had a very bad credit report. She had never had an apartment before, and because she was 23 years old, and didn't have a co-signer, no one would rent to her.
I felt that she needed to know the truth. I scolded her for squandering her money on things to the point of being riddled with debt at such a young age. I know that renting apartments should be unbiased and based on the facts. Still, something in me liked her, especially her personality and openness about her credit issues.
I told her that if she could address her credit problems, I would consider renting her an apartment. A week later, she returned with payment plan letters from every vendor she owed. A rental applicant had never addressed their credit problems this way. I was impressed with her ingenuity and sincerity about paying money she owed to vendors.
I rented her a one bedroom apartment. Two weeks later, she mailed me a thank you note. She appreciated that I took a chance with her and she wouldn't let me down. I was shocked. In over 25 years, I had never received anything of thanks from a tenant, never mind a thank you note.
She was an excellent tenant. She lived quietly and paid the rent on time every month. On the annual apartment inspections, her unit was just the way we rented it to her, with no damages, and clean. This is one of the most positive experiences I have had as a residential property manager.