Mostly the big complexes pull credit reports. If they charge an "application fee" you can be that they are buying a credit report.
99% of owner-landlords of single family homes are making a judgement based on a meeting with you. They'll ask about your income, maybe want a pay stub, and a few references.
It took over 3 months for my new mortgage to even appear on my credit report. I suppose that a late payment may take a month or so to appear - which is not such a bit hit. Multiple months late and then the foreclosure to post will take several months so you have plenty of time to find a place with still good credit on your report.
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