There will ultimately have to be some sort of reconciliation with landlords in the end.

And based on Freddie's website it is people living in Freddie backed homes, so sort of unclear as to whether that means forbearance for their commercial borrowers.I spoke with my commercial lender (local bank holding deal on their balance sheet) about refi'ing my properties and he said everything with them is business as usual. 

They will cause the landlords temporary pain, accrue late fees and back rent, and eventually when America reopens, get evicted, sued, and have their credit ruined.In that third case, a minority of landlords are being forced to basically donate free housing to the very worst behaving tenants.

Sort of finding an Investor Friendly Realtor for information, you can also go to your county Realtor Organization website and they have reports that you can download.

My question, has anyone ever approached a home builder for a VTB of sorts?

Your worst case scenario here is losing a little money.

Worst than the last one?

That will be tough to convince the seller of but the worst-case scenario is they say no.

Even Stephen King Could Not Have Scripted This It’s been said that the Stock market will do the most damage, to the most people, at the worst time.

Show best, worst and most probable cases4.