Thanks donut88 and applefreak.
Just asked my agent to check and confirmed she's a bankrupt. Apparently, they've applied for OA and really hope they don't own loansharks.
Thinking of checking with their neighbours on loansharks but don't know how to approach subtley without offending them.
Btw for option fee, can pay $500 instead? Also, if they agree to let me move in earlier for renovation purpose, hopefully by 1st appointment ... should I get them to sign Tenancy Agreement for black and white purpose?
Thanks for all your help!