We own a home on the west coast that's on the market. ( never a late payment) however recently DIVORCED AN student loans are in default.Am paying off with house sale, so credit is affected. (STUDENT LOANS ONLY NEGATIVE ON CREDIT BTW.) I Relocated for work have paystubs. My parents will garentee if need be. Bank statements 3500$ budget for housing I make 4x that and something furnished if available ok if not willing to do lease or month to month