Real estate loans to owner occupied properties where the business of the owner is closed down - or SHOULD be, and the owner needs some time to sell the property.  

Working in a busy property management company, I'm often asked for advice on camera and alarm systems, and in rougher neighborhoods sometimes it can be a toss-up on whether to keep a property boarded-up between showings. 

They will still do the occasional flip, but mostly when a deal presents itself AND they may be between new construction starts so need to keep their teams busy.

Certain areas are not allowing them.  

For more information, contact the Philadelphia Commission on Human Relations or the Fair Housing Commission.Bed bug control responsibilitiesLandlords must develop and follow a bed bug control plan to prevent and control bed bug infestations.You must give tenants:An informational notice from the City of Philadelphia about bed bugs and landlord/tenant responsibilities.A written description of bed bug infestation and remediation in the rental unit within the preceding 120 days and of any ongoing remediation.Within ten business days of receiving a written complaint about bed bugs in a rental unit, you must hire professional pest control services to investigate the complaint and begin remediation if an infestation is found.Remediation services must continue until there is no longer evidence of bed bugs in the unit.

We use Hiscox for our insurance with our business, not sure if it works for property but its worth a try. 

I'm self-employed and did not know if my business was going to be shut down due to the virus.

I typically don't comment on other's businesses unless I know from personal experience.

I do not understand your remark as related to the DSCR loan.  2 ADUs are not allowed by f/f conventional financing but is not always enforced.Fortunately if you stay with the current tenant without a refi, by the time you pay principle it is likely the rent will have increased enough to absorb the increase mortgage payment. 

I’m new to the rental business.