Self Employed Applicant - Full Year Up Front???

[Jessica Wygal]

Help me with this scenario. Two adults have submitted an application. Both have no evictions, no criminal records, credit scores above 750 and less than $1000 in credit card balances. HOWEVER, they are ‘self employed’. She sent a screenshot of account balance but of course it doesn’t include name. A Google search of her yields nothing. Google search of him tells me he plays video games for a living. After the application was submitted (with no identification) I asked for 2 years tax returns and 3 months bank statements since they are self employed - they want to pay full years rent up front in lieu of the additional documentation. They listed a current landlord but I haven’t attempted contact her. PLUS they have 2 cats & 2 dogs. House is in ‘B’ neighborhood with new floors, paint, etc. Something seems off but before I completely draw that conclusion - what would you do?