@Chris Hicks Biggerpockets Dave Meyer wrote an article on June 4, 2021, “The 1% Rule is Dead”.

Their rates are a bit on the high side but you need to plug and play to see how much coverage you really need. 

FTC (Federal Trade Commission) regulates advertising and in the case of rental properties, fair housing complaints could come into play too. 

It would still be a good idea to speak with an attorney and go over your plan to make sure you do it in an efficient and legal manner.You definitely cannot play catch up on the previous years that rent wasn’t raised.

Many roles to be played, find out which one you want to play and learn it well.

That will get you the good cash-paying worker family that need this help the most, but you play bank. 

It looks like not bringing another tenant into this situation is the way to go and when the daughter moves out, if the mom cant pay the rent then I will likely have to be ready to terminate due to nonpayment.Appreciate everyone's thoughts.Looks more and more like they're trying to play you, my friend.

I used to play basketball against Murray years ago, but I haven't been back for quite some time. 

Even before the covid moratorium, they could live there for up to a year without paying anything until the city finally sends the Marshall to kick them out, provided you took immediate proper legal action (and they know how to play the game).

@Alex Scotte not to beat a dead horse, but as others have said you always need to rekey.