Interest rates are still predicted to remain low in the near future, so your best bet will be to have the company you're with now notify you when they will be able to help you move forward with the refinance.

It was predicted that the market would pick up in June, so far I don't see anything happening. 

You presented a few interesting and predictable twists.The 5% rate they normally offer is now recognized as too good to be true and many borrowers are wising up.

Even worse if she had addictions like shopping or gambling.A problem would be if you invested and she wanted to sell and give up the first time you had any problem that investors routinely or predictably will have (if they invest long term) like tenant damage or unanticipated construction.  

They predict that the market hasn't gone down yet due to mortgage forbearance support, allowing landlords to defer mortgage payments rather than declaring bankruptcies.

I predicted that REOs would be easier to sell in a BP blog post because vacant houses without contingencies would be easier to sell.

@Daniel Kramer I don't think it's mortgage fraud unless you don't live in it at the time...circumstances change and no one can predict what our future situation holds! 

Now that it's empty, I'm faced with a dilemma because of my fears that the market will crash later this year/early next year as a result of a virus resurgence causing high unemployment and associated economic woes, plus the cyclical downturn that was predicted even pre-covid.

Well, this crisis seems to be another "once-in-a-lifetime" thing.....only this time, the people affected most are often the types of people living in Class B/C apartments and paying rent.I've seen people making similar predictions about what the next recession would look like, what would cause it, etc.

The speculation is beyond "hey, company X is opening a new store front 3 blocks down" but rather, it is based on industry market trends and commodity price predictions.