As for your neighbors, they could have exemptions like Homestead, widow, military disability and many others that can reduce the amount of taxes.

I'm a 77-year old widow on fixed income, an Asian-American with a special need son. 

We got deed in lieu from the widow within 10 days of acquiring the note, and a week later sold for cash to another investor in that area who buys and turnkeys property for out of town investors.

Part of that distinction is that we're called more often than any other call to give to widows and orphans, the disadvantaged and those in real need. 

That would literally be beneficial to the segment that needs to be protected so that’s a horrible argument  investors hardly need protection at the same level that little old widows need.

My father past away recently and I started managing my widowed mother's estate.

From helping a widowed mother get a fresh start for her and her kids, to the MILLIONS of dollars in assistance we acquired for residents to stay current during covid...

The widowed mother of 2 who needed a way out of her condo and into a new construction home for her and her children for a new start.

These include (but are not limited to);a. a drop dead date for her to refinance and take you off the mortgage (5 years, whatever);b. trigger events for her to refinance regardless of date (birth of child, remarriage, failure to maintain the house physically, cease using house as primary residence, failure to pay insurance or property taxes, no "subject to" sales and etc., etc).and no doubt a host of other things.Then there's your remedy if she fails to keep her end of the bargain, including who gets appreciation, right to possess or maintain, etc.Your credit score is far down the list of concerns

And then, turning it around, in many cultures once a parent is widowed or unable to live independently they move back in with their children.So I'm not sure there's any good answer.