Even the best filters banks used to screened borrowers somehow couldn't stop defaulters. 😂

Can try asking for latest pay slip. From there, calculate % of nett pay for rent and form your own judgement ... whether single, couple or family.

as a owner, the basic is to meet up the tenant. u can tell when u start to communicate with the tenant.

but again, if supply > demand, sometimes u have no choice because there is still bank loan to pay off.

renting out a tenant is kind of gamble too.