What about if its 2 adults and a 5 year old?

As far as health care I have had private insurance for my entire adult life since I've never had it through a job it is fairly expensive sadly but depending on your income you may qualify for subsidies that will help out some. 

The owners supplemented us at the closing for the discounted rent.I would like to raise their rent to 980 because I feel like 1 full time adult, three part time children, and another dog (two black labs in a 1200 sq. foot apt) will definitely add to the wear and tear.

Every person, including children living in the house is to be listed on the lease at lease signing, every adult is to be listed as a lessee, the more people on the lease the more people we can go after for rent/damages if it gets to this point.

I don't necessarily think it's the adults that are rude, it's the lack of adults.

This was a mom and her adult daughter (plus two teen age girls) who rented my house.Initially they faithfully paid the rent each month; even calling me to come and pick it up (yes; I was so new at the game I was driving over to get the rent). 

Check that out for your area.For us, we don't mind roommate situations that change (or adult children moving in and out of their parents' home) or other changes in household make up.

In Texas, what's the most straight forward way for a parent to gift a home to an adult child?

I understand wanting to be a good neighbor and appearing to be a functional adult and all that, but this isn't my home.

I work with Suicide Prevention Action Network USA (SPAN) as a counselor for young Kids and young adult over here in Fulton, KY, who try or want to commit suicide due to one pressure or the other .