Would you accept this prospective tenant?

[D.Y. Lee]

I have a brand new house for rental. 2200 sf, 3 bed, 2.5 bath, 2 car garage for $3250 monthly. One of the applications came thru zillow, income to rent is about 3.2, single source of income, 3 people, no pets, credit score 710 but they have $3900 monthly payment for other loans already. No criminal or eviction records. Would you consider accepting it? I haven't called the employer or the previous landlord yet. Any opinion will be greatly appreciated.