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).

Some other supposedly housing-related bills that will end the housing crisis, signed into law by Governor Nuisance:AB 12 by Matt Haney (D-San Francisco) – Tenancy: security deposits.AB 84 by Christopher Ward (D-San Diego) – Property tax: welfare exemption: affordable housing.AB 281 by Tim Grayson (D-Contra Costa) – Planning and zoning: housing: post entitlement phase permits.AB 318 by Dawn Addis (D-Morro Bay) – Mobilehome Residency Law Protection Act.AB 319 by Damon Connolly (D-San Rafael) – Mobilehome Parks Act: inspectors: conflict of interest: enforcement actions: sunset.AB 323 by Chris Holden (D-Pasadena) – Density Bonus Law: purchase of density bonus units by nonprofit housing organizations: civil actions.AB 346 by Assemlymember Sharon Quirk-Silva (D-Fullerton) – Income tax credits: low-income housing: California Debt Limit Allocation Committee rulemaking.AB 434 by Tim Grayson (D-Contra Costa) – Housing element: notice of violation.AB 480 by Philip Ting (D-San Francisco) – Surplus land.AB 516 by James Ramos (D-San Bernardino) – Mitigation Fee Act: fees for improvements: reports and audits.AB 519 by Pilar Schiavo (D-Los Angeles) – Affordable Housing Finance Workgroup: affordable housing: consolidated application and coordinated review process.AB 529 by Jesse Gabriel (D-Encino)- Adaptive reuse projects.AB 548 by  Tasha Boerner (D-San Diego) – State Housing Law: inspection.AB 572 by Matt Haney (D-San Francisco) – Common interest developments: imposition of assessments.AB 671 by Christopher Ward (D-San Diego) – CalHome Program: accessory dwelling units.AB 812 by Tasha Boerner (D-San Diego) – Housing development approvals: reserving affordable units in or near a cultural district for artists.AB 821 by Tim Grayson (D-Contra Costa) – Planning and zoning: general plan: zoning ordinance: conflicts.AB 894 by Laura Friedman (D-Los Angeles) – Parking requirements: shared parking.AB 911 by Pilar Schiavo (D-Los Angeles) – Unlawfully restrictive covenants: affordable housing.AB 976 by Philip Ting (D-San Francisco) – Accessory dwelling units: owner-occupancy requirements.AB 1033 by Philip Ting (D-San Francisco) – Accessory dwelling units: local ordinances: separate sale or conveyance.AB 1114 by Matt Haney (D-San Francisco) – Planning and zoning: housing development projects: post entitlement phase permits.AB 1218 by Josh Lowenthal (D-Los Angeles) – Development projects: demolition of residential dwelling units.AB 1287 by David Alvarez (D-San Diego) – Density Bonus Law: maximum allowable residential density: additional density bonus and incentives or concessions.AB 1308 by Sharon Quirk-Silva (D-Fullerton)- Planning and Zoning Law: single-family residences: parking requirements.AB 1317 by Wendy Carrillo (D-Los Angeles) – Unbundled parking.AB 1319 by Buffy Wicks (D-Oakland) – Bay Area Housing Finance Authority: housing revenue.AB 1332 by Juan Carrillo (D-Palmdale) – Accessory dwelling units: pre-approved plans.AB 1386 by Jesse Gabriel (D-Encino) – Veterans housing: tenant referrals.AB 1449 by David Alvarez (D-San Diego) – Affordable housing: California Environmental Quality Act: exemption.AB 1474 by Eloise Gómez Reyes (D-San Bernardino) – California Statewide Housing Plan.AB 1485 by Matt Haney (D-San Francisco) – Housing element: enforcement: Attorney General.AB 1490 by Alex Lee (D-San Jose) – Affordable housing development projects: adaptive reuse.AB 1508 by James Ramos (D-San Bernardino) – Department of Housing and Community Development: California Statewide Housing Plan.AB 1528 by Mike Gipson (D-Los Angeles) – Housing authorities: property taxation.AB 1620 by Rick Chavez Zbur (D-Los Angeles) – Costa-Hawkins Rental Housing Act: permanent disabilities: comparable or smaller units.AB 1633 by Philip Ting (D-San Francisco) – Housing Accountability Act: disapprovals: California Environmental Quality Act.AB 1734 by Reginald Byron Jones-Sawyer Sr.