Boy Friend(Red Flags) and Girl Friend(Good Credit) as applicants with 2 young nephews

[Srinivas Prasad]

Hi, I have this situation where Boy Friend and Girl Friend both 21 years have submitted applications.

Girl Friend credit report is clean with 1.5 X Rent as income(Confirmed).  Stayed with her parents in their own home.  Now she wants to move out of parent home.

Boy Friend's credit report has 2 collections (2/2020 and 12/2020) reported by 2 apartments as joint account.  He started a stable job since Mid-2021, makes 1.5 x Rent as income (Confirmed).  He is not on lease since 2021, living with friends and he is not sharing current owner details of his existing apartment.

To make things complicated, she listed 2 young nephews as other occupants.  But her brother is not going to stay in the house!

Any recommendation on how to handle this?  Should I ask for Girl's to get her dad as Co-signer? or ask for 2 months deposit? or just say No and move on?  It's a tight rental market.

Should I be concerned about the old collections as he was not on stable job?

Thanks