What compensating factors would you be looking for in this loan scenario:

Couple on fixed income

Very high DTI

Seeking to refinance their home and consolidate $30,000 in outstanding consumer debt

Credit scores are just below average

House is in somewhat need of repairs

You want to make this loan for this couple. They have been customers at your institution for years and have been living in this house for over 30 years. Their first mortgage is at your institution now.