So this brings into question if that information/speculation is accurate.

The Great Depression and Great Financial Crisis were both results of speculative debt bubbles (and other things, but mostly the speculative debt bubbles). 

This is speculation/misinformation/gossip at this point.

If you are speculating and hoping for a good outcome, now may be the time to pull back and learn a bit more.

Then discovered biggerpockets, "speculating", and started learning what we really SHOULD be doing.

Lots of speculation out there and rightfully so we are in totally uncharted territory.

If not - I would hesitate to speculate about what your tenant did or did not know about their orders.

I believe that the appraisal will come back good though, as not enough time has passed to affect the market.Appraisals are based on sales from the previous 6 months, not speculation on future values.

Speculative lending right now is drying up some but high quality assets lenders are more bullish on as a (flight to safety) for their loan portfolios.

@David FalkoffIn the webinar slide deck I attended for the EIDL loan, they indicated you cannot use this loan for "speculative real estate purposes."