At the same time, I can definitely see in some submarkets in my area where I would ABSOLUTELY do replacement since investing a lot there would likely be beneficial (Midtown/Medical District and anything in historic areas for instance).

Personally, I can work with applicants who have low credit (especially if it’s from medical bills and not something like credit cards which to me is more indicative of poor spending habits).

Yuba City is primarily agricultural economy, plus all industry + government & medical jobs that comes along with it.

Some of our tenants tend to be employed as nurses, medical aids, and support jobs in medical facilities and such.

Scott Gottlieb, former head of the FDA, to companies in the NYSE.US will soon have massive testing capacityConfirmed cases will grow exponentially now that testing is finally getting rolled outDon't be surprised to see 1000 confirmed cases in a dayBy the end of April to early May, it will start to plateau (depending on containment behaviors that we are currently living)Schools will be closed for this school yearThe summer heat in the northern hemisphere will help to contain the spread, although it will continue to existEvery reason to believe that the southern hemisphere will experience rapid spread as the weather cools (expect continued travel restrictions)The risk posture will improve in the Fall with the following:Point of care diagnostic (local swab testing everywhere - will allow early detection)Therapeutic antiviral drugs will be available (not a vaccine)Monthly injections of an antibody will be available (not sure what this is), particularly for medical workers and members of nursing homesThe testing capabilities that are getting put in place will provide a massive surveillance system to provide early detection until a vaccine is in placeAll of this will make the virus more manageable until we have a vaccineThe virus is very contagious (more than the flu)10x more deadly than the fluEven without death, the hospitalization rate (15%) and critical care rate (5%) are extremely high (we don't have medical capacity without containment)Mortality rate:1% overall4% ages 60-7010% ages 70-8014% ages >801 in 250 to 1 in 550 for some his age (47) - said "that's enormous"He recommended that his parents stay home for a couple of monthsHe also felt that masks should be produced and mandatedThese bullets are subject to my note taking and I am certainly not qualified in this area.

Its for an 8-week period after the loan is issued only, and it must be documented and only applies to mortgage interest / rent payments (not rent income), utilities, payroll, paid sick medical leave, and insurance premiums.

Please feel free to share with me your thoughts on this approach.If reached out by a tenant, I would submit them a letter that per the moratorium, a late payment should be "due to a loss of income or substantional medical expenses, caused by COVID19 pandemic."

Please feel free to share with me your thoughts on this approach.If reached out by a tenant, I would submit them a letter that per the moratorium, a late payment should be "due to a loss of income or substantional medical expenses, caused by COVID19 pandemic."

The sheer lunacy of "compassion" not asking people to try to get money from family and friends to pay rent is astonishing, I can't believe some people manage to make it through life with this way of thinking until I realize law enforcement and grocery stores as well as emergency medical services keep them alive. 

The average citizen is powerless and will never get anything ,and the people they have elected to represent them wont help them,cant help them.3>Healthcare is already out of control expensive and is absolutely unaffordable, many many are going to be bankrupt just with medical bills due.4>Many are going to be bankrupt because of failing business , loss of job, etc., this is obvious.5>As mentioned above , just a few are getting tons of cash - which means they can buy out business and other companies at very low cost and this means further super consolidation of power - literally cementing it in place. 6>The future for the average citizen is not looking good.