.- Lenders are starting to tighten up their requirements.

We were debating whether to wait and see what happens to the market but then decided that we would rather have the cash now than to risk lenders tightening up later.

Small lenders may able to make this work despite tightening lending requirements.Another option could be seeking a co-signer/partner to go in on this deal with you.

This is fueled largely by the shifts in demand that occur as a result of lower consumer confidence, lower incomes, tightening credit and US monetary policy.First off, I would like to say that until we have a better understanding of the timeline for which we expect businesses to be closed, new transactions will be at a near standstill.

When you see nut that needs to be tightened, do you just grab the first tool at your disposal or do you look for the appropriate tool?

We're really focusing on tightening up our processes and systems, making sure we have our business operations where they need to be.

Not a big deal here, just would help tighten up the numbers a little bit in that regard.I agree with @Alexander Bacon, your CapEx is too low.

That's certainly going to strain your relationship even more.For me the real question becomes what happens if they contract the virus and then can't pay or ask for a break on rent?

Alot have hit the pause button totally and have stopped lending for the time being, while many big banks have tightened the purse strings. 

Lending is bound to tighten up in the coming months and banks get very gun shy about getting "charitable".