What to do, what to do. You want a piece of the American Dream and would like to own your own home but you don't have either the credit or the capital or both. Your options are slim at this point but there are options available in this depressed market. The cost of renting has dropped because building owners need to maintain a positive cash flow in order to keep their properties. What does this mean to you? It means that you can shop around and get a good deal on decent housing to rent. Some landlords are even forgoing the credit checks that were once a staple of getting a rental. We don't all have an A rating like we'd want but that shouldn't keep us from acquiring decent affordable rentals. It doesn't even matter what part of the country you're in. You can be looking for Boston townhouses, Seattle apartments, Denver studios, or even a Tampa duplex. It's all available now! Get the best deal in an area you want to live in or near and then start saving for that home for the future. The better the deal the more you can save.