Your best bet is to simply accept that you're not going to get the security deposit or to work out a written arrangement with her and give her forceful reminders when the payments are due (not forceful in a physical or harmful way, but in an implied threat way to let her know that you're serious).

Or, in these cases regarding security deposits, is it always better to contract the work out?

I would like to work out a feasible plan for moving forward so that when the travel restrictions loosen and the market softens I am ready and able to move.Now is a great time to take stock of options and formulate plans.I’m just not sure on the best way to go.

I was able to talk to my PM today and work out a deal for them to manage the rehab!

I'd say these are not good tenants and you would rather have tenants that pay on time and take care of the property, probably the best solution is to work out an agreement that they agree to leave or wait for the moratorium to be lifted and persue eviction for non payment.

I've been in talks with Anderson Business Advisers and though I like what they offer I don't know if its too intense for a small fry as myself.  

If for whatever reason Section 8 doesn't work out, am I obligated to return the deposit?

Hi Lynne, how did it work out with this tenant?

I would recommend anyone try both ways to see how the numbers work out. 

If you bought the property after the fact and they do not report sales per the lease or personal financials now might be a good time to add that in exchange for considering any kind of rent relief or deferment.Before putting all this work into a workout you need to have ultimate clarity on a single unit mom and pop operator if they have a long term chance to recover or not.