I’m sure I’m going to be criticised about my choices but that’s ok.I had to buy a commercial premises for an investor visa.

Even though they don't know that block,  Voucher holders  know it very well :D))  You have to make it  nice,so they pick your house. 

The tax collector, mortgage holder, and insurance company likely won't be extending you any breaks.

I think that point also can get lost in the discussion of who "deserves" a break, fairness, etc.Would it be "fair" for me to ask a bond holder to forgive my debt since I am having such a hard time? 

Just like it did yesterday in Italy.And for the "buy and holders", you could actually get renters who are then put under quarantine.

I was getting a 20+% ROI in Thailand and the Philippines properties I have and now with the lockdowns and countries not renewing Visa's ALL of my renters cancelled for the year so far.  

As long as you go through a title company or attorney (depends on state) for closing they will verify that he is the 1st lien holder on the property and he has a mortgage.

We would send gift cards at the holidays.. the visa cards U get at the mall.. 

It is almost guaranteed that the note holder will notice the change in the insurance policy and the name on the check every month.

The private investor will be the first lien holder.