I thought these were good points:Why Short-Term Rentals are More Immune to the Impacts of the VirusIn order to provide some context to the data, here are some crucial ways in which short-term rentals are more resistant to the impacts of the Coronavirus than hotels, cruises, and airlines:Vacation rentals are often in more remote locations with less direct exposure to other travelersVacation rental guests often visit destinations within driving distance which allows them to bypass the potential risks of airline travelThe article did say (and I agree) that more urban STR's will be more impacted.

I have always maintained exposure to the market. 

Self showing technology and even FaceTime/video showings leave room for exposure and spread.Are you paying your PM for that unit while it's vacant?

We’ve established ourselves with our *lender to the point we have maximum exposure limits as well as a fix & flip LOC to help with the BRRRR and flip aspects of our business.

With so many people losing employment at the same time for an unknown period of time, it's difficult to know one's exact exposure to future defaulting borrowers even with the promise of government help.We don't need to sell our re-performers now so we'll just wait and see.

You can check but if small regional bank, they probably have no derivative exposure like the big banks, so you are probably fine within the fdic limits

As @Abel Curiel mentioned, be sure that you allow for potential delays with inspectors, appraisers, etc that may be fearful of entering a house due to exposure.  

Oddly, I've basically been self-quarantined for 42 days now - only public exposure has been Safeway and one trip to the beer store, and I was one of the first to wear gloves and masks at Safeway - yet I still got sick.  

I would entertain trying to see if they would carry back like 20% at 5% (interest only would be great), save you from a little exposure to the HML terms. 

etc.I think when people are saying that the real estate market is not affected by the virus they are meaning that downward pressure on prices and rents tend to lag behind the general market economy and so number changes would take some time to show up but you rightly point out that the buying and selling behaviour has been impacted by the social restrictions and this is very new so I agree that there is an impact albeit temporary.To respond directly to your concerns about extending - I wrote an offer yesterday and we included a hot off the press COVID-19 Addendum to the contract to mitigate the buyer's exposure if delays resulting from the disruptions caused deadlines to be missed - the traditional Purchase Contract in FL at least has a Force Majeure contingency in it but COVID-19 is not considered a Force Majeure event so you may need to consult with your agent/Attorney about how to get an extension.