Point is, the borrower's were to some extent targeted to be able to go through the entire program including the rate increase.HAMP is a government baby, it was criticized by many and still is.  

My wife and I lived there previously and we had a dog and a baby which took somewhat of a toll.

Young, old, female with babies, whoever!

And again those are situations that you as an individual work out in your own way given your financial condition and how you feel about a certain tenant.. my classic was the tenant who told my PM they just had a new baby ( which I believe they did) record cold winter they could not afford heat and rent could I do something.. so of course I say sure.. don't pay two months and add it to the rent and pay over the course of the coming year.. end of two months they up and left  LOL. and for sure I can see how investors that are highly leveraged with little to no real reserves might react differently than those who might own the real estate free and clear or if they missed a month or two of rent its just no biggee 

She apparently had a baby in June as well.

Think, "I love beanie babies.

Their current landlord will lie to get them out of his property.Watch out for the prospect that gets several different government checks Try to find tenants that you can collect a judgment from if possibleI like tenants that have a family in the areaNEVER hold their baby.  

So for me, with a baby I am adopting due in less than a month, everything is bought on line sight unseen in the stated limited quantities. 

First of all congrats on the new baby! 

Although very unlikely, babies and toddlers can still drown in just a few inches of water if left unattended.Your tenants need to get rid of that trampoline, asap.