Question About Qualifying a Tenant

[Alex Juarez]

Hey BP!

So, I have a question about qualifying a tenant. I haven't called references and past landlords yet, but everything else checks out except for I'm a little confused about what to make of the credit report. 

I'm not sure if I can post parts of their credit report, so I'll try to explain what I'm seeing.

 They have make 3x the rental income and have a 660 credit score (my minimum is 600). They only have about $183 of monthly payments. a total debt of 12k, with 9k of that being student loans. This wouldnt bother me, but it's the way they're labeled that raises red flags and is causing confusion. There are about 6 different instances of "US Dept of ED/Gsl/Atl"  and all of them are showing as "closed" but all of them are also labeled as "account seriously past due date/assigned to attorney, collections, or credit grantors." There are two of those that have a current balance and payment status as "seriously past due" the rest show a "paid/ zero balance". i havent asked her about this because I'm still trying to make sense of what it means. It looks like she's still "seriously past due" on these, but what's throwing me off is why is it showing "closed" if she still has a balance on it? I've tried googling this but couldnt find much on it.

Anyways, the prospective tenant is in the army and has mentioned that rent wouldnt be an issue since they receive a housing allowance, so seeing this student load debt being past due doesnt scare me off too much but just wanted to ask yalls opinion on this. Oh, and the open date of the student loans showing a balance on them is from 2016 just btw.

Thanks BP!

Alex