I've spoken with numerous hard money lenders at this point and it seems like all of them have suspended their refinance programs. 

Put in a BluRay player and have a collection of adult movies.

i want to help people too.. we have numerous housing communities ran by local governments that are "sore spots" in many cities and communities across the united states. 

That being said, numerous investors treat time as though it's infinite, when it needs to be treated as the extremely valuable/finite resource it is.

As long as they are staying inside - playing board games, naked twister, watching movies, etc., no harm no foul.

In those three months I’ve encountered numerous issues with the condo (leaking drain, Furnace repair, AC repair, and a few small issues).

Sure, the process could be super-automated and online and all that, but behind the curtain would need to be very talented and numerous humans making sure the machine doesn't break and when it does be there to fix it.

Of course we all know that there are numerous expenses such as maintenance, cap ex, taxes, insurance, vacancy, possibly utilities, misc. that go towards the 50% rule. 

As stated by others, this was intentionally induced and numerous monetary measures and mechanisms have been put in place to mitigate and minimize the damages.I have no doubt that even after the pandemic has receded/subsided that there will be numerous more policies and mechanisms put in place to mitigate further. 

Hobbes is like Clawhouser from that movie Zootopia.