I don't think these occasional difficulties are a symptom of a 'bad' or 'irresponsible' tenant-- it is just the reality of life for many, many people who make a living at lower wage jobs.

I ended up with a waiting list.Prisons employ lots of people of every wage level.  

For me it was all about building generational wealth and tax benefits with a high earner in the family.

Then explain what that means - that then their wages can be garnished, that judgments can be for 10 years and renewed every 10 years, etc., and you'll be able to hire a collection agency, etc. 

This was in 1976 or so, and the minimum wage was around $1.50/hour, just to give the $2,000 savings we lost a point of reference. 

My employee doesn't get paid $100 per hour but you are paying his wages, insurance, benifits, travel, vehicle cost if it's a company truck and cost of any company tools he needs for the job.So like otgers have said it's a cost of business.

With hundreds of people joining each month at $20k per person, the hundreds of millions of dollars should be invested into paying customers- not a fancy office and inexperienced staff that are probably getting paid minimum wage or low hourly rates.

By buying all of these items you will be more focused on doing a low wage JOB than you are building your investment portfolio.

How about when the IRS catches up and garnishes her wages for back taxes? 

Garnishment would be almost impossible, given that her remaining wages wouldn't be enough where a court would authorize a levy.