It started as a goal, turned into a rule, now it's a law I very happily live.

How familiar are you with the rental laws in each area?

I have found a well-made checklist for you to go through: https://www.nar.realtor/law-and-ethics/cybersecurity-checkli...I'd like to emphasize on some point though.Section A:- These are non-negotiable.

What reason I can give without getting in trouble with the law?

This is because there’s well established case law that states a lender can only hold a guarantor personally liable if there was a benefit received.

However my wife recently passed away and I had to move in with my in laws because of our 2 young babies. 

It offers affordable housing, solid rental demand, and generally favorable landlord laws.

Otherwise, I’m ignorant of other state laws.

I get it, but it is state law, not local law, and they are just now enforcing it across the board as they are required by law to do and they are not picking on people.

Next year, your income may change; your family or tax situation may change; tax laws may change.