Zelle, ACH are great free ways for some tenants to pay rent.  

For all I know you may in fact be running a charity. 

You're right this is a business, we didn't start this to be a charity.

You don't have to be cruel about it but you do need to decide if you're running a business or a charity that subsidizes living expenses of strangers.

Did you buy this property as an investment, or are you starting a charity?

Have a charity list available ready to send to tenants who are behind. 

You are running a business, not a charity. 

This is a business not a charity.

You have to set boundaries from day one with tenants, be a LITTLE flexible when "life happens", but run your business like a business, not a charity.

Knowing the process for this county is key as some places force you to work through a charity or fund to help tenants get caught up.I would 100% talk to the seller or the sellers agent and get as much info as you can on where things are at and proof they are at that stage.