[mym1990]

Your judgement seems misguided towards someone that may have been incentivized to take risk on an investment property, or someone that bought a home and had to move due to any number of circumstances, but was not able to sell.

I agree that homeownership is becoming less and less viable for the middle class and below due to a lot of speculation that has entered the market in the past few years, and this should be nipped in the bud with regulation. But without knowing much about OP, it feels like an over reach to make assumptions that they are the problem.

On the credit history, I don't know if you have rented out a place before(sounds like maybe not), if you get a bad apple as a renter...everything gets massively more complicated and remedying the situation is not a clean maneuver. You wouldn't buy a vehicle off one picture, so why would someone rent out something that is 10-20x more valuable without proper due diligence?