It's come to this

The first-floor tenants have not paid rent in 15 months, bang on the ceiling below her bed at all hours for no apparent reason and yell, curse and spit at her, Ms. Mangal said. A tenant in the basement apartment also stopped paying rent, keyed Ms. Mangal’s car and dumped packages meant for her by the garbage. After Ms. Mangal got an order of protection and then a warrant for the tenant’s arrest, the woman and her daughter moved out.

All told, Ms. Mangal — who has captured many of her tenants’ actions on surveillance video — has not only lost sleep from the tensions inside her two-story home but also $36,600 in rental income. “It’s been really horrendous,” she said. “What am I supposed to do — live like this?”

In years past, Ms. Mangal, 31, could have taken her tenants to housing court and sought to evict them. But during the pandemic, the federal government and many states, including New York, imposed eviction moratoriums to protect renters who had lost their income. The moratoriums have been widely praised by housing advocates for preventing millions of people from becoming homeless...

In February, Ms. Mangal started a second job, working at vaccination sites across New York City, up to 13-hour shifts on her days off so she can make up for the lost rent. “I’m going to have to be supporting these people for the rest of my life,” she said. “I just don’t see an end in sight.”