But I urge you to use the speculative mind I know you have and see the different outcomes.

You guys are so doom and gloom, come on man, the fed (that caused all this btw) is going to save EVERYONE, Banks, credit unions, trust and mortgage companies, investment banks, underwriters, brokerage firms, hard money lenders, stock speculators, the airline, auto, restaurant,hotel, bar, retail, casino, and travel industries,money market funds, the repo market, the global fx market, the stock market (direct purchases soon), the bond market, the derivatives market (oop's sorry ronin capital), consumer spending (helicopter money only 3 weeks away), your local bowling league and oh yea, air bnb.Don't worry the largest financial event of our lifetimes, BY FAR, will be over in a jiff and you will be rested and ready to get back to work!

That being said, I would prefer to setup payment plans than to pay for turnover costs and vacancy plus there is the risk of the tenant quality of a new tenant when I know I already have a good tenant who fell on hard times.As for the future - all speculation here.

@Julie Marquez easier, but more competition from speculators outside of commuting distance...

Of course he took board seats in many of those companies. 4) Buffet does not speculate!

Investing should not be speculating, and even if you are writing in 40% economic vacancy, you are still guessing.

Everyone has there place in this world and in business and we have to respect where people are mentally emotionally financially and not speculate that because someone lives paycheck to paycheck that means they aren’t a quality contractor.

Otherwise, everything is speculation and you're looking at increase in value over time because they don't cash flow at all.

He also has a Fiance, whom I speculate to be someone who may be doing well herself.Regardless, he Father owned a Auto Body Shop since 1959.

That is speculation not investing.