I can't implement because the family is not onboard.

The tests are trivial to implement.

That's definitely the strategy I'm planning to implement anyway. 

Contact your Section 8 office and they will provide you the instructions for implementing a rent increase.

Also it is important to note that it should be assumed for this discussion that these properties are operating at peak performance, i.e. all value add has already been implemented. 

I was thinking to go to a credit union, I’m not sure if they have less stringent qualifications.

They also have more stringent rules, and they can dictate who you rent it to.

Banks make the requirements for a home loan so stringent at times that many people can’t get approved but they are paying more in rent than they would be with a mortgage.

Often the best use of your time is moving on, fixing the damages, and implementing a better screening processesI think going this route of trying to get them for damages will take you more time, energy, and money.

We already have a tenant placement process that is more stringent than many landlords as we're fully aware that it's probably the single most important aspect of a profitable rental business.