The role of the appraiser in the system we have is to provide greater stability and confidence in the market, protect the lender and prevent abuse of the system. 

(I do not stand by the following information, please perform your own due diligence to confirm its accuracy)Landlord Relief Fund- The Secretary of HUD will reimburse lessors for any loan payments made during the suspension period- To be eligible for this reimbursement, relief applicants must adhere to the following:For a 5-year period, the following must be adhered to:Monthly rents will be frozen to the amount charged to the unit at the beginning of the suspension periodTenants may only be evicted for Just-Cause reasonsTenant applications may not be discriminated against based upon income, gender, sexual orientation, criminal record, credit history, nor immigration statusNew vacancies in the property must be announced to the public The lessor may not collect an arrearage in rent owed by any tenant as of the expiration of such 5-year periodLessor may not retaliate in any way against tenantsLessor may not report any tenant to credit bureausAlso during the suspension period, tenants will be reimbursed for any payments made to the lessor by HUDA tiered-system will be put into place to determine landlord relief priority.

I think that too many tenants will abuse it.

Obviously this leads to a large potential for abuse and so this is just a soft idea thus far.

So these news articles keep popping up about landlords demanding sexual favors in lieu of rent.

There is definitely room for abuse, especially in Hawaii where things are processed so slow even during normal times!  

Apparently, I'm guilty of elderly abuse for getting this great deal. 

If it breaks due to abuse or neglect, tenant pays for it.

So I don't think there will be a lump sum payment at the end of the forbearance period for most people unless they abused it without needing it; and even then it will only be to those who got caught by the bank.

I definitely don't think I'm abusing the law by taking a refrigerator after 10 years but I'm curious to understand the law here as well.