We have new tenants due to arrive in the flat below our house in 1/2 an hour but there is still no money in our bank account. We advised they pay by same day bank transfer. It is a couple with a one year old. I met the mother a few times at baby group but do not know her well. The father has good references and has always paid his rent at their previous flat. Would you give them the keys without having the money upfront?