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I would definitely only look into private rentals - rentals that do not go thru a management or real estate company. The landlord may check your credit, but by offering an addl mo deposit, they may work with you - this way they are covered for 3 months in case you default. Most people do not want a whole year in advance - plus that is really not a good financial decision. What if you have very serious issues with the property or landlord during that year? You will have to fight to get your money back.
I imagine that most private landlords take many things into acct when renting - not just credit history. If you show up to view the home in raggedy clothes and are unpleasant your chances are slim. I always look at renting a home like a job interview - dress decent, have good manners and interject things in conversation that might help.. IE... I like to work in the yard +++ (now the landlord assumes you take pride in the yard) and I have no problems fixing minor things around the house+++ ( means I wont nag the landlord to fix a drippy faucet). Don't lie, just think about those things that would help make your case.
I can see the OP issue. Usually when we hear pre-pay the lease in full our Ted flags go up high.
"Normal tenants" will not offer that. Getting a tenant evicted while they pay rent in full is more difficult, etc.
I don't see the bad credit part not so much as we have lots of good tenants with bad credit but just don't take tenants with certain collections on their credit report.
Certain unpaid bills are a sign of bad tenancy and we want to prevent that.
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