Will taking COVID-19 forebearance now impact lending in future

[Lyle Cooper]

I have 2 rental properties with mortgages on them. Both are in NYC. One rental property is up for renewal in June (currently occupied) and the other has a tenant who was always behind 1-2 months before COVID-19.  Once NYC got shutdown, I was seriously worried about cashflow and whether my reserves (personal savings) were going to get used up fairly quickly.  I contacted both of my lenders and they both offered me a similar program.  3 months forebearance.  No Principal & Interest payments for the next 3 months.  And the unpaid balance is shifted to the end of the loan.  Effectively creating a small balloon payment at the end of both 30 year loans.  However interest will continue to accrue on both unpaid balances until they are paid.

My question is, 2 years from now will I get dinged when trying to take out a loan for an investment property?  I know COVID-related temporary modifications DO NOT impact your FICO score, but are lenders taking note of COVID- modifications.  A friend who works in mortgage finance, says banks have a new database field for COVID-modifcations.  

When I go to take out a loan and I qualify for say the lowest rate, will banks tack on 25 basis points b/c I took a COVID-modification?