Do you have enough to survive?

If an agent is going to survive the next 2 years they need to become a listing agent first.  

Month One:  I survive.  

You may want to embed the following calculator into your metrics to help the consumer decide how many rolls to purchase: Online Toilet Paper Calculator: A simple calculator to determine how much toilet paper you need to survive the pandemic

Includes Sample Documents and Practice Aids, Fannie Mae Information, Freddie Mac Home Affordable Modification Program, and more.The foreclosure survival guide: keep your house or walk away with money in your pocket, by Stephen Elias, Nolo, 2019Covers workouts, foreclosure, and walking away.

(Payment timing not unusual under previous ownership).If you buy to survive all market cycles, then you should be okay to buy now.

So unfortunately you're likely stuck with this bill.Here's some more reading on the topic:https://www.biggerpockets.com/forums/41/topics/167855-liens-after-forclosurehttps://www.primerus.com/business-law-articles/a-warning-to-investors-in-florida-superior-liens-survive-foreclosure-sales.htm

You want to have cash reserves now to survive the bumps in this economic environment. 

Generally speaking, property will pass first to a surviving spouse, or to the children if there is no spouse, but some states have weird twists that could transfer everything to a sibling or even parents, if still alive, or even into the spouse’s family.

@Michael Miller Here is a guide on how to survive the refi process (and what to do if things go sideways).