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Screening a couple now

I’m screening an unmarried couple now. Two kids each. I use 700 as bottom line credit score. They have 695 and 655 and both have a few negative remarks on reports. Lots of accounts show up. Some closed by the bank or credit issuer, and some closed by the applicant. One has 16 total lines of credit-mostly revolving. One has 11 total accounts. I’m waiting on a couple of references. Two things bug me about the man.
Business owner, says he makes $60,000/yr but can’t produce adequate paperwork. Also, and possibly more important to me, is that the man will be breaking his one-year-lease with his apartment. Opinions? I think denial but I am partial to him because he is retired military and I like that.

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