thank you jsawtell  and Terryw for sharng your experiences..

They will want landlords references, rent receipts, 6 months credit and personal loan statements etc etc and then could stil say NO if they feel like it.

thanks for the head's up, yes I have prepared the docs as requested by SGB, wil be faxing it tommorow…. I'm currently on a 97K salary, been with the current employer  for around 10 months… I probably have a shot on this, I'm aiming for a 500K-property

thanks c2, scott for your inputs.

I didn't thought about the idea of having "former owner's relatives" as neighbors venting their anger on the new owners, I didn't think some people could be so irrational.

I guess I have to check the neigborhood for that too