You first need to determine a couple of things: (1) Are they paying you Fair Market Rent (or at least pretty close to it) and (2) Is this a for-profit endeavor (at first glance, it seems like your total expenses (after you add real estate tax, insurance, repairs, etc.) may be much larger than your rental income, so it may be a not-for-profit rental)?
As a side note, your mortgage payment doesn't directly come into play. It would be (1) mortgage interest and (2) depreciation. But that can't be addressed until we know the answers about Fair Market Rent and if it is a for-profit rental (and the answer if they are living in the home by themselves or if they are living WITH you or other people in the home).
