They're also fighting and winning to avoid having to collect the occupancy taxes on behalf of cities as well as to avoid having to self-enforce the regulations levied by cities or being responsible for ensuring the rooms and homes listed on its sites comply with zoning or health regulations like hotels are required to do. 

And in bad times, Cleveland will not be quite as bad compared to other cities given that our economy is primarily health care centered.

@David Markey I sell health & life & focus on the Medicare market (65+).

When you mentioned $45 equity and some kind of savings account..still not sure what that means in your entire financial health.

I recently sold a house to a husband and wife where the wife had POA over her husband because of his failing health.

In a case like this it would seem that you wouldn't be blamed for defending your property and health using any means necessary.Seriously, you shouldn't have to offer these crooks $6k just to get access to what is legally yours.

Meanwhile, a single mother of three was in perfect health yet she received $1025 in support, paid only $25 to live in a nicer place than any of her working peers, and ended up pregnant before it was discovered she had been earning money under the table for years while collecting Section 8.I can give you dozens of examples like this that I witnessed first-hand.Our local churches have an assistance fund.

For medical care, people can get home health care, so as to stay out of the assisted living designation, requiring licensing, etc. 

If you had a large lawsuit for health issues from mold or a fall down some rickety steps with no handrail, you may be looking at hundreds of thousands but the vast majority of those are settled out of court for well below your liability limit.This idea that Tenants are suing Landlords every day (and winning) is ludicrous.

Also I recommend to check out latest city rules for tenant-landlords: http://www.phila.gov/health/pdfs/Landlords_Guide_t...There is a list of disclosures and pamphlets that you have to provide your tenant to be in complience with the city law and to be able to evict if it come to that.