Would you rent to this couple?

[Rhondalette W.]

I used BiggerPockets tenant screening tool MySmartMove to screen these prospective tenants for my first rental.  My question is would you rent to this couple?

Couple

• Age- Husband-54, wife 49 
• Non-smokers
• No animals
• Renting in current apartment 2 years lease is up. I called apartment unit to verify but got a recording. Will call again on Monday
• No criminal background for either- except he has speeding SPD 76/60
• Eviction, foreclosure, bankruptcy- this is their story they use to have a house before moving into the apartment 3 years ago. Husband, who was a city employee, got very sick with heart problems forcing him to retire early. Also, do to his illness/ medical bills issues they lost their home (eviction and foreclosure, bankruptcy 3 years ago). 
• They have one consolidated payment for ch13 bankruptcy that they have been consistently paying 2 years. On credit report. 
• Credit scores are husband 630 and Wife 437.
• Income-is just over 3 times rent, husband retirement benefit, wife on job 6 months temp to perm. Need both income to make 3 times rent.

What would you all do? Rent or no rent? 

[Joel Owens]

I can't give legal advice.

The BK from 3 years ago due to medical and house foreclosure wouldn't bother me as much.

What concerns me heavily is the wife at 437 credit score. To be at 437 you have to have a ton of collection issues and other things. That is a rock bottom score. That shows instability and not a one time occurrence of a problem.

She has only been on the job 6 months in a temp capacity. Need both jobs per what you say to be at 3 times rent. Sounds like she could lose her job and then they live off his disability and tell you they can no longer afford rent.

Based on what you have provided it would be a NO. She is too unstable with credit score and the income to qualify.