For refinancing, and bridge loans 680 will be acceptable for most lenders in the area.

I have a community bank willing to perform the refi with a lower interest bridge loan but they are really dragging their feet.

Pick up some cheap wireless routers from Goodwill for $5 and you’ll find most can already function at either end of that wireless bridge (either converting the existing municipal WiFi to Ethernet or rebroadcasting that Ethernet cable in a basic “bridge only” mode that gets you out having to do late night web search for “Double NAT” which is actually far more annoying than the physical bugs of the same name. 

For upcoming deals, I will most likely look at loans that I can stretch out for at least two years if I use bridge/hard money again.

Also would be much more hesitant with Bridge debt at the moment.Reserves for GP: was looking for 3-6 months of Debt+Expenses, now probably looking 6-9 months or 6-12 months (Debt+Expenses) as reserves.Return criteria (Pref, IRR, Eq Multiple): not sure how this will be effected but still looking for similar number 7-8 Pref, 14-16 IRR, 1.9-2.1 Eq Multiple. 

That is a quick way to burn bridges and money. 

At some point the Covid -19 restrictions will end and she will either have burned her bridge and have to move on/be evicted or she'll find a way to get caught up. 

@Michael Mason I would recommend you check out the Bridge Real Estate Investing Meetup.

I'm across the bridge from Destin in Niceville. 

Basically a bridge loan for you until you can secure longer-term financing after rehab is complete.