728 Credit, Income Is Under The 3 times Monthly Rent

[Chris S.]

hello, I was hoping to get your advice on this.  

We have a rental that we put out for $1450/month.  We have an interested couple that makes $3600/month combined.  The guy is a Marine for 7 years (728 credit score), the girl works at Starbucks for 3 years (718 credit score) and has a newborn due in August.  

Would you make an exception to the income more than 3 times monthly rent rule here because of the credit scores?  Any advice would be great!  Thanks..

[David Dachtera]

With the baby coming, you can expect a change in their financial situation and credit standing.

If they're not 3x now, that will go even lower while she's on maternity leave. 

Food for thought ...