Not every employer has to offer COBRA. I don’t. Also, we’ve been landlords for 35 plus years. We actually paid someone to move out once who owed us $1500.00. He signed a promissory note for $2K which we figured we would never see but a year later we got a certified check in the mail. My husband works with tenants who can’t pay and with one or two exceptions, they always do.
A landlord needs to evaluate the loss due to delay in rent payments vs. the loss of income if he evicts this tenant and the unit is vacant, plus rehab costs. It’s a judgment call, based on his perception of the current tenant’s overall potential, the local rental market, and other factors.