You should never, EVER, utter those fateful last words of the lost REI, "I just bought (fill in the blank here),...now what do I do?". 

@Chris Utter It sounds like a checking account could be a good option, but we'd also love to take a crack at helping her get setup.

You should NEVER utter the words of the lost souls, ..."

It really sounds like you are trying to maximize the return on this tenant's occupancy by withholding as much of the tenant's security deposit as you possibly can.Making the statement "I know they are lying" given the utter lack of any sort of evidence except an omission from a home inspector's notes...further evidence this industry might not be the right fit for you.

@Dareen AllieThat saying is utter BS.You can have the best deal in the world and if you can’t put it in front of somebody that understands that it is a deal AND has resources your contracted property is going to sit there.

I have always been professional and responsive, even though some of the concerns they raise are utter minutiae.The $20 increase is not a “money grab” – my insurance premiums just went up 15%.

Logic indicates that the courts only have so much capacity and if there is a run on evictions things will probably take longer.the other thing I find utterly amazing is when you read main stream media they make it sound like 20 to 30% of ALL landlords are suffering from non pays and such.When U read BP 97% of BP landlords claim better rental collection performance during covid than in normal times or no issues everyone is paying.. this could be a testament to the advanced landlord degree's that BP members generally have  IE experience and better management techniques to create these very good results compared to what the Media is saying. 

@Martin Enoghase Be warned this is an utterly useless reply.  

Main reason is it would utterly kill your cash flow potential.

I am utterly confused trying to understand that with me paying myself rent at $900 plus expenses of $976 plus $867 mortgage, am I still coming out on top at $654 cash flow?