It's like they apply for section 8 and wanna go Christmas shopping with no money.

But under FEMA 2.0 the surcharge incurred for a claim within the last 20 years only applies to claims filed after FEMA 2.0 goes into effect.

or how can I apply for something that will go against their credit for not paying rent?

Adverse possession likely doesn’t apply here as in most states that requires that the other party has been paying the property taxes.

So if the person is month to month- give them fair warning (60 days) after which the rate increase applies. 

@Amanda MarkIt will help to specify where you're investing. but here are some general tips that apply anywhere:As @Dan Maciejewski mentioned, if you're not seeing much in your search it can be a sign that most of the duplexes in the area are bought up and also demand is high (it's high in most places currently).

Stuff like driving for dollars, running your numbers, extending your network, direct mail/flyering are the basis and you can apply anywhere.

With bank of america, just go to your state and county and see if you apply.

Zillow also allows applicants to pay once and apply for 30 days to other listings.

They have to apply for rental assistance, but if they don't you can evict.