Some hard money lenders will probably be a lot more apt to pass up newbie investors.There are so many different models out there in how hard money lenders work, so it may cause some to stop lending altogether and other may be barely affected.

Italy has a sub par health care system which could barely provide quality care before the covid-19.

@Chris Seveney Lots of great points...My feeling, based on looking at past notes and tapes, is that there were a large amount of sub performing notes with borrowers that were just barely hanging on. 

If I can get thru this with all my payments being kept up and the only hit to me is a new loan/debt of say 200k at 3.75%..... guess what, I'll be tickled pink.

., in the seller’s favorDOM down a few daysAlso consistent with supply / demand being about the sameUC were down 8%This is much stronger than I had expected – great newsHomes -4%; condos -16%This is consistent with my observations about a week ago that entry level buyers seemed to be more cautious than the first time move up segmentNot much change on discountsIf you just look at the luxury homes (MLS defines this as >$1,000,000)Closed count +13%Price +1.5%DOM down -2 daysI am not sure this strength with last in the luxury market, since inventories are building.If you look at entry level, $300-500KClosed count -13%Price +2%DOM +4 daysThe slowdown in this segment will last a few months, since we need to get a lot of entry level employees back to work.Other news items:Most of the iBuyers have suspended operations.Lenders are tightening credit requirements, which may push the marginal buyer (that used to barely qualify) out of the market for a whileThis will likely be a source for 2020 having somewhat fewer closed deals than 2019

If they just barely moved in it sounds like you are going to have challenges with these tenants.

Some of these guys have no creative spark and barely listen when i try to explain what i want even though it is captured in writing. 

Strong ones remain and those who barely got by, make sure they are stronger for next time. 

In sure they’ll get a bail out specially that some of them were just barely making some money and expanding routes internationally.

Is it a decent idea to go buy a multi unit property, 3-4+ & charge the bare minimum rent during the first years lease?