People have usually earned their position in life. If it's a bad position, they earned it through poor decision-making; if it's good, they earned it through effort. Very few people just have the world drop on them. Don't be suckered. Try to remember the #1 rule of LLing -- "No good deed goes unpunished." If these folks have bad credit, it's because they couldn't or didn't (and it doesn't make a difference which word applies) pay their creditor(s). If you rent to them, you will eventually join the list of folks they have stiffed. Wait for a really qualified person and you won't be putting yourself in a position to share a burden you didn't create.