I’ve read that many tenants cannot pay their rent because they lost their job or their hours have been cut way back. Sadly, some states are even passing laws that allow tenants to not pay for for many money with absolutely no regard for how that impacts landlords.
In Panama, all my tenants are retirees who have a pension or Social Security. I don’t have to worry about them losing their job.
It might make sense to make your rental houses more appealing to retirees too.