A woman chats on her phone, wearing a mask,while walking down Ocean Avenue in early January.She strolls pass a mural highlighting, “Ingleside Pride,” painted on a closed medical business. Residents in the neighborhoods of Ingleside, Excelsior, Mission and the Tenderloin are struggling to continue paying rent.Despite the region’s high rents, the percentage of San Francisco area residents who are behind on their rent is lower than the national average.