Uncertain about duplex applicant

[Adam Morris]

I've been house hacking in a LOCL city in the south and house hacked a duplex. I've found another property and plan to move into it within the month. 

I've started screening tenants, and while I've been scheduling a lot of tours, the applicants haven't been coming in as often as I'd hoped. 

One applicant is a recent grad making 4.4x income to rent ($1,100). The problem is the debt and FICO, 120k student loan and appx 12k CC debt and a 584 FICO. Payment history is 99% with only late payment was 10 years ago and according to the Zillow screener, minimum payment total is appx $600. Several long term rentals previously, W2's and income verified, good reviews from previous renters. 

Too many red flags, or someone getting ahold of their situation - would you rent to them?

[Julie Hartman]

I would hold out for a better applicant. The cc debt and low Fico would scare me off, especially with the active and possibly endless eviction moratorium. If you aren't getting anything better, then I would definitely ask for a larger deposit if your state allows for that.