Advice on Potential Tenant

[Kyle Condon]

Hi all I'm evaluating a potential tenant for my second rental propery and would like feedback from other landlords. The property is listed at $2,280 a month and with utilites it would be around $2,600ish a month. My concren is their ability to pay and I do allow pets, but the home has hardwood floors and the dog may scratch up all  the floors. The mother is willing to co-sign which is the reason I am considering them right now. 

Household

• 2 adults (married couple)

• No smoking

• No evictions

• Large dog (Airedale)

Credit

• Applicant credit score: 682

• Recent dip explained by medical expenses (dog surgeries) causing higher utilization

• Previously mid-700s

Income / Employment

• Primary applicant has multiple income streams: self-employed (Etsy), yoga instructor, Shipt, Uber

• Husband currently not working due to immigration status (Australian, awaiting work permit)

• Income is somewhat non-traditional but diversified

• Mother is willing to co-sign and would meet income requirements

Property Considerations

• Home has hardwood floors

• Concern about potential wear from large dog

• Planning pet addendum, deposit/pet rent, and move-in documentation

My Current Thinking

• Considering approval with conditions:

  • Verified income and credit for co-signer

  • Signed guarantor agreement

  • Pet addendum + deposit or pet rent

  • Standard lease term

Would you move forward with this tenant?
Any red flags I’m missing or additional protections you’d recommend?