Housing ain't free, this tenant's inability to act like an adult and pay for the roof over his head isn't your problem.

Other option is 3 strikes (all with $ fines) and they are out.They are adults (or close to it) and need to figure out that decisions have consequences.

First Western Federal Savings, North American Savings Bank, Solera National Bank, and Titan Bank. 

The SW was the picture of American suburbia expansion and prosperity, until it was rows and rows of empty homes and the poster child of over building and collapse.

I have one house where it went from 2 to 5 adults during covid.

I typically use Great American Title.

A prospective tenant got in touch and their household income is all over the place with two adults working their income is 1.9x rent add to it social security income, income from being handicapped,a minor earning some income and social security income makes it around 2.8x rent and they have 30k in debt, credit score is excellent though.

We closed with our 1031 cash of about 1.2Million, a note in 1st position from one of our companies for 1,441,000 and another note in 2nd position which was the note from our adult children and younger kids trusts.   

I don't know what adult would reasonably even think to ask you for a guarantee like that. 

They are the largest generation in American history.