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In general, landlords breathe easier when a renter has a credit score over 700. However, a credit score over 650 generally is high enough to win over landlords. It all comes down to your competition, since a landlord may select an applicant with a better score over you.
A rent-to-own agreement can be an excellent option for people who want a home but who donât yet qualify for a mortgage or who arenât quite ready for the commitment of ownership. For example, you might have a bad credit score â one thatâs below 620, the bare minimum some lenders will accept â but the circumstances that depleted that score are behind you and youâve been steadily improving it ever since.