New to screening - need help

[Brian Kohn]

We have an out of state tenant that has applied for our rental.

Nice couple with 5 kids.  They want to move in site unseen because they both have job offers locally that start in the next couple weeks.  The income from their new jobs is about 4.5x our rent amount, which is good.

However after pulling credit, both of their scores were around ~560.

Multiple collection accounts, a handful of delinquencies over the past few years, and around $70k in total debt.  Looks like they are paying the minimum towards that debt each month (~1,500).

They have stated that some of the debt is medical.

No evictions or criminal records.

We are debating whether to deny outright or approve with conditions such as a co-signer and extra security deposit.

Any thoughts?