Too many red flags for these applicants, your thoughts?

[Jane S.]

1. Woman listed her brother in law as her current landlord on the app. He owns the house, she and her son and her partner are sharing with him since mid2018. They pay him $1200/month. She wasnt able to provide previous landlord info.

2.  The man’s Fed Tax for 2020 (he’s a 1099) shows gross earnings as $71,600. Her 2020 same shows gross of $44,000. 

3.  I’m used to connecting to the applicants supervisors or managers to verify. He says he owns his own company so has no manager. I explained I need to connect with whoever signs his checks. I think he pretended not to understand.

4.  There seems to be no way to connect with the woman’s supervisor. I wasted an hour + trying to jump through Experian hoops in order to verify employment & pay, she had submitted 4 paystubs (july-August) and is resisting submitting bank statements. Their personal bank account balance is $400 according to her, yet they only seem to have about $1100 in fixed monthly debt, rent not included. So far all applicants who managed to submit a complete application are willing to submit a few months bank statements. 

The first chance i had to do research on them was yesterday afternoon, and now she says they need a decision by close of biz today. She knows she hasnt answered all of my questions and still is pushing.

I offered to discuss a 6month lease with them. 

What would you do?

My other applicant’s bank statements show that as of July 31 he had $1900 that he borrowed from