If you want to run a charity, charge people market rate and then donate $30,000 to a charity that helps people that are really in need.When people are that far below market rate, I don't even give them the choice of staying at the higher rate.

Our goal would be to source projects and attach them to local or global causes (like a BRRR SF home with monthly cashflow supporting a charity drilling clean water wells in Africa, etc).

Have compassion, but also remember you're running a business, not a charity. 

Zelle, ACH are great free ways for some tenants to pay rent.  

For all I know you may in fact be running a charity. 

You're right this is a business, we didn't start this to be a charity.

You don't have to be cruel about it but you do need to decide if you're running a business or a charity that subsidizes living expenses of strangers.

Did you buy this property as an investment, or are you starting a charity?

Have a charity list available ready to send to tenants who are behind. 

You are running a business, not a charity.