They are all paid for. It can be pricy to fix things and a shock to your system if you are dependent on the rent for living if they become vacant. After 20 years of doing this, we have finally learned how to manage tenants. We don’t allow pets or smoking. We have small houses(only 1 bedroom and 1 bath) so we don’t rent to people with children. With the smallest 2 houses (less than 1000 square feet), we won’t rent to couples. We also try not to rent to people we know. It is easier if we have to kick them out. I am very straight forward with them. If they don’t pay the rent, they have 30 days to leave. I am sorry for what ever they are going through, but this is a business not a ministry. We have bills to pay too.
We also have one that is an hour away and my son lives in that one. It is not paid for, but he pays the mortgage. I’m not sure that I would do that again, because his dogs have torn a lot of things up. I think pets tear up more stuff than people.