Even taking the habit outside has consequences.

I will look for action in the last 20 min.Thanks @Tammy Vitale.

We also gave them materials on usage habits that would reduce their water consumption.Once the shadow billing was underway, we updated the toilets (1.25 usg UHET), shower heads (1.5usg/min), faucets (new aerators where possible - 1.5usg/min) so the tenants could see the impact of water efficiency measures and know that we were committed to helping them minimise their water consumption.We also replaced the existing laundry machines with HE units - provided by a 3rd party in a revenue share arrangement.  

I believe it's called the "Tenant Habitability Program" or something similar.  

I spoke to a couple of insurance companies regarding insurance, and because of it's current state, they will not write a policy on it…once it is habitable they would, but not right now.I'm sure I'm not the first person to experience this, so looking for thoughts on how to handle insuring the property while I'm making it habitable.  

It is my understanding that HUD will make repairs (or split the cost of repairs) that are an issue of habitability.  

This is not a quick solution but you should see a significant increase in 6 to 12 months while implementing the program and good credit habits.

They choose to participate in a program with special diet meals, and it may work well while they are eating those restrictive meals, but unless they consciously change their eating habits they are mostly likely going to gain weight again.

It may work a lot differently in large metropolitan markets but in our community, our reputation of integrity is vital.  

@Justin HerringtonWhile Thorold does not give a maximum occupancy per dwelling unit in a direct manner, it appears to define any building providing lodging to more than four (4) occupants as a boarding house:“boarding house” means a building in which lodging is provided for more than four (4) persons in return for remuneration or for the provision of services or for both and in which the lodging rooms do not have both bathrooms and kitchen facilities for the exclusive use of the individual occupant;In turn, they restrict a rooming house or lodging house (but never marry definitions to that of the boarding house) as follows:Where a dwelling unit contains rooms intended to be used in conjunction with a rooming house or lodging house, the occupants may share a single bathroom provided that: (1) not more than nine (9) persons occupy the dwelling unit; (2) for each additional nine (9) persons or part thereof, there shall be an additional toilet, handwash basin, bathtub or shower; and (3) access to the bathroom can be gained without passing through: (a) a habitable room of another dwelling unit; or (b) an open area, which is not normally heated during the period of the year which heat is required by article 2.22.3 of this by-law.So, it appears to come down to whether boarding houses are permitted where you property is located (and whether they need to be specifically licensed), unless your building would be seen as a non-conforming duplex.This is the question, I believe Thomas was asking.