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You assume she will get caught up. Good luck with that. You can have her sign a rental agreement now, without any money. But you have discovered the pitfalls of renting to family. It's harder to evict family. Have her set up a payment plan now to come current on rent and current on the SD. If she will get caught up in May, does she have a windfall coming? Otherwise if she is paying slow but sure, she must have a written plan. If she does not have income at least 3x the rent, she will never get caught up. If she is two months behind, you should be getting something, even $100 a month, to help. Not paying anything is a signal they will never pay, and she really does not think she should. Maybe your wife will just loan her sister the money, and you will be all set.
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