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L0stMind,
there is a very easy option for you that i'm suprised you haven't heard about. You can get what's known as a 'no-doc' loan which doesn't check anything except for your credit rating, as long as you put down 20%. You interest rate runs about 1% higher than the typical 30 year fixed....so right now, you'd be looking at a 7% interest rate. which is still lower than what most of us have seen if our lifetimes. If you are interested, I can point you in the right direction.
as to apartment deposits, here in LA, move in costs are typically first month rent plus a one month security deposit....
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