Tenant A is month to month, is a disabled elderly woman on low fixed income.

I have my personal homes and an adult disabled daughter's home in a Trust now. 

If the only income is retirement or disability, neither of those are garnishable, so the judgments are not a risk.

Refi the original VA loan to something other than a VA and then apply for a VA loan as if it's your first.A side note if you have a VA disability rating of 10% or greater you can have the funding fee waved.

You mentioned this tenant is on a fixed income, are they a senior citizen, retired or on disabled.

I currently have a renter on disability so her income has not changed yet she is my only renter to not pay anything for five months straight.You are absolutely right.

You can provide them with a reason for not qualifying, but always ensure compliance with the Fair Housing Act, which prohibits discrimination in housing based on race, color, religion, sex, national origin, disability, and familial status.

There are various programs such as VA disabled vets and section 8 that I have used for guaranteed rent.

He is covered under Medicare due to age and disability (emphysema 15+ years).

They were great people who had little means, most on my top 10 were actually via age or disability (yeah all you naysayers, didn't think of disabled persons did ya).