With the reform that was passed. the 2 out of 5 rule was left unchanged in the end. 

http://www.har.com/content/newsroom/Houston Real Estate Highlights in January: Single-family home sales rose 8.9 percent year-over-year, with 4,469 units sold;Days on Market (DOM) for single-family homes increased slightly from 65 days in January 2017 to 67 days this January;Total property sales increased 8.7 percent with 5,468 units sold;Total dollar volume climbed 6.3 percent to $1.4 billion;The single-family home median price rose 3.8 percent to $218,000, which represents a January high;The single-family home average price declined 2.1 percent to $270,303;Single-family homes months of inventory was unchanged year-over-year at a 3.3-months supply;Townhome/condominium sales fell 1.3 percent, with the average price up 2.1 percent to $192,918 and the median price up 13.6 percent to $159,000;Leases of single-family homes rose 1.9 percent with the average rent up 1.4 percent to $1,748;Volume of townhome/condominium leases fell 5.3 percent with average rent up 1.3 percent to $1,516

Fifty areas, 31 percent, had double-digit gains; one was unchanged and 20 had price declines.

That represents an increase of 3.8 percentTotal dollar volume for full-year 2018 soared 21.5 percent to $28 billion;December single-family home sales declined 4.1 percent year-over-year with 6,543 units sold;Total December property sales fell 4.6 percent to 7,709 units;Total dollar volume for December edged up 1.0 percent to $2.3 billion;At $240,000, the single-family home median price rose 3.4 percent to a December high;The single-family home average price climbed 4.7 percent to a December high of $306,314;Single-family homes months of inventory grew slightly to a 3.5-months supply;Townhome/condominium sales fell 7.8 percent, with the average price up 4.6 percent to $206,760 and the median price up 8.1 percent to $169,500;Leases of single-family homes shot up 13.2 percent with average rent unchanged at $1,771;Leases of townhomes/condominiums edged up 1.6 percent with average also unchanged at $1,532.

The strong fundamentals of the Austin area economy and housing market remain unchanged.

Texas Economy Grows For 23rd Consecutive MonthAUSTIN (Texas Workforce Commission) – The Texas economy added 34,700 seasonally adjusted nonfarm jobs in May, marking 23 consecutive months of employment growth, reports the Texas Workforce Commission.Last month, the seasonally adjusted unemployment rate was 4.1 percent, unchanged from April 2018.Over the year, Texas added 352,100 jobs for an annual employment growth rate of 2.9 percent.

For example, you get to depreciate your building for tax purposes (Net Income decreases), but you aren't actually paying any cash for this expense (Cash Flow is unchanged).

Assuming rent is not extraordinary like +35% income, (casually ask if their employment situation is unchanged from what is on their application) the court will restructure other debt based, at least partially, on whats left after paying for necessities like housing, food, student loans, clothing and transportation for employment.  

. $150,000 - $249,999: increased 9.5 percent$250,000 - $499,999: increased 4.4 percentSingle-family home sales rose 2.2 percent compared to last February, marking the first increase since September 2015;Total property sales were unchanged at 5,548 units;Total dollar volume increased 1.2 percent to $1.4 billion;At 260,872, the single-family home average price reached its highest level ever for a February;The single-family home median price was unchanged from a year earlier at $200,000;Single-family homes months of inventory climbed to a 3.4-months supply versus 2.7 months a year earlier;Townhomes/condominium sales fell 17.8 percent with the average price down 1.3 percent at $199,205 and the median price up 2.8 percent to $150,000;Leases of single-family homes soared 14.6 percent with rents up a fractional 0.6 percent at $1,688;Leases of townhomes/condominiums climbed 10.3 percent with rents up 2.5 percent to $1,545.

It's not unusual for the lease to continue on unchanged month to month, except for a normal yearly increase, after the first year.I would only charge a premium for a month to month rental if they had not already put in a year or more.