While a residential property normally gets a strain-line depreciation over 27.5 years, a 1250 property has a straight-line depreciation that lasts for 39 years.With cost segregation, you can depreciate interior and exterior parts of your property over 5, 7 or 15 years.

The record increase in coronavirus cases has put more strain on the U.S. economic recovery, with many cities and states reimposing restrictions and some businesses being forced to sideline workers again.

. — consumers are spending more on Goods (laptop, workout equipment, appliances, etc.) in addition to saving their money for the unknown.Online retail sales is a notable reference outlining the uptick in “Goods” spending with a +2.7% YOY increase in spending.(2)People are also spending more money fixing up their houses, which is putting strain on supply of materials pushing the price of lumber and other building material up.Austin’s Real Estate & Economic Landscape Doing Okay?

I am not aware of banks tightening up at this point. 

Banks, in particular commercial banks have tightened up on refis.

It's time to tighten your standards, get your rent up to market rate, and then it will be easier to hold renters accountable.

Now, if the money you're losing on the property every month is putting a strain on your finances, I might cut ties, but if you can hold, it should do well over time in terms of appreciation.also, have you used the VA IRRRL to reduce your interest rate and PITI costs yet?

With the moratorium, I've tightened my written  screening criteria again and no longer offer leases (except VASH or Sec8) or renewals.

Anecdotally I've received a few emails from my alma mater indicating they're cutting back on employees due to financial strain (reduced admissions?

That's similar to how we were looking at it, since I'm taking the entirety of the risk I asked that she pay herself out of her share of the 50% that way she'll be motivated to tighten the budget and keep a good pace, any mistakes are out of her pocket.