I am in a kind of similar situation.

The applicant has perfect credit score (near 800).  He has about $50k annual disability income.  So that's not good reason.

This person uses special canes and is wobbly when he walks.  I am afraid of liability if he falls in the house.  The house is not handicapped designed.  It has no ramp for wheelchair.  A lot of tile floor, which can be slippery.  Can I use this reason, that the house is not handicap equipped?