Combined income

Hi, the family applying have offered 3 adults to be ref checked. 2 have failed but one has passed as the affordability is checked as a third each. If I combine their affordability they pass. Is this enough evidence for my landlord insurance that requires this?

So if the one leaves who is “good” you are up the swany river.?

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I think it has to depend. If it were a couple with a son/daughter at college I think it would be different to other scenarios.

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