With this 4 pillars ( finance, health, mind, and empathy ) you have a strong foundation to find happiness. 

Going through the Lowell MA website (https://www.lowellma.gov/625/Health-Permits) , I saw a rental permit ordinance.

Like natural disasters, car accidents, losing jobs, divorces, health issues, lawsuits, injuries, death...

Spending also slid in health care and goods (such as clothing and footwear).

Imagine you are in your 20s have a family of 4 and want to get in to this for the long run, you are great at talking to people, not scare to talk in crows, no credit, and finally have not even bought your own property yet.

You just got stuck with a ringer.Here's one almost-guaranteed solution to get rid of the roach-loving tenant:  call dept of health--they will probably declare the unit unfit for habitation, and force the tenants out. 

@James Perdomo The floating rate is what scares me, especially right now/in a few months.

This prohibition applies unless the landlord, property owner, orproperty manager (a) attaches an affidavit attesting that the action is necessary to respondto a significant and immediate risk to the health, safety, or property of others created bythe resident; or (b) provides at least 60 days’ written notice of intent to (i) personallyoccupy the premises as a primary residence, or (ii) sell the property.

There has been much uncertainty the majority of this year as the world went on lock down in response to the greatest public health crisis in over a 100 years.

Rather than shut everything down, health experts could publish a public safety notice on responsible practices and let people make their own decisions.