Fannie and Freddie are playing with accepting automated valuations to save consumers costs but a computer generated appraisal might be much lower than you want as it won't account for view, upgrades, and improvements. 

Very complicated and tricky and time consuming and has a long-cycle.$ Amounts can get fairly high especially considering that you can look at it as an LTV perspective (always overrides any other liens)

Personally I expect a wave of foreclosures in 2021, but right now, there is almost nothing available as banks and consumers are taking advantage of Covid forbearance allowances. 

Wanting tenants to cover damages and missing rent is natural, but legal action can be a costly and time-consuming route, especially if they lack the means to pay.

So is it more appropriate to think of office expenses as non-consumable and supplies as consumable? 

However, it can be time consuming.  

This negative position can consume years of cash flow to recover.

Many counties on the site have a landlord/tenant handbook in PDF format as well with all the specifics to the county laws.

Millions upon millions of jobs lost "forever" ("exported" to the "third world"), more millions lost half or more of their retirement accounts, creditors slashed and burned consumer credit to the point where, by the banksters' own numbers, some 74% of Americans wound up with "bad" credit (it was only 47% before they did that), ...Now, add in the knee-jerk responses in the lending industry and you've got a situation where only the elite of formerly middle-class wage earners can even hope to qualify for new home loans.In fact, the given the current housing shortage (yet more fallout from the crash), it is ONLY the dearth of lending which is keeping home prices from launching into interstellar space by suppressing demand.

The federal lending handbook says 12 months (the guidelines for most conventional banks) so most follow that.