I was talking with some wise friends, and decision is made.
Logic is, make up a reason to deny them in a nice way (I'll say the guy's credit score is not good, even though at the beginning I knew it and I said it doesn't matter because the girl has good credit), 1st. there is a good chance they will not sue me, 2nd. if they sue me, I still have good chance to win, 3rd even if I lose, cost should not be big compare to having a bad tenant.
It's better than renting to people with history, that you know one day they are going to get in trouble. I know we should give chances to people who made mistakes, but not at my cost! NYC is stupid, very protective to tenants, they fxxk landlords, hard and deep in the s. A simple non-payment case will take 6 months, then the a hole tenant will break your water line or electric box and then sue the landlord. Cost is tremendous, it could be 6 months - 1 year with no rent, and you will still have to pay for the mortgage. The bank will not forgive me, the state will not say oh your tenant is not paying you so we don't charge you property tax. It is not my fault to be protective to myself, its the city's fault.

