Mom-and-Pop landlords own nearly half of the nations rental units and are often low to median income themselves. They rely on rent payments to maintain the properties, pay the mortgage, and provide income for their families. With tenants unable to pay rent and moratoriums on evictions, their properties, their incomes, and their retirement plans are all at risk. Small scale landlords are also major producers of naturally occurring affordable housing. Concerns are mounting that large investment firms will buy up the rental stock, increase rents, and reduce the supply of affordable housing. Cities need a strategy to protect their mom-and-pop landlords in the coming months.