Her other properties had mortgages with her son, who's a doctor, good income, but the good doctor invested with other doctors, and it goes on a on with the DTI calculation.

Good news The banks are prepared to work with owners the same way so it’s going to be a pass through situation.I had a chat with my Portland Oregon Banker on Wednesday about our projects and we are still good for spec loans.. their bigger concern is dental Practices and cosmetic surgery clients they have a VERY big book of dentists and doctors.. 

Right now the only goal is to buy time and flatten the curve to let our medical system ramp up and prepare.If it's a good deal, take advanatage of the low interest rates and go right ahead.

Really slow right now)She doesn’t workThey have a paid off 200k home3 single family houses about 200k each, 50% paid off each   (2 strong tenants work in the medical field)$300 cashflow each house per month after all is paidHow would you create more cash in these uncertain times before it gets too bad?

But even with the severity of coronavirus deepening, please make sure you have adequate amounts of food, stationary items, simple medical supplies, and immune system boosters (the best way to protect yourself from the coronavirus is to protect your immune system [Vitamin C, Vitamin D, sleep & adequates amounts of vegetables]. 

I have an oil fella and a medical billing assistant with 3 elementary aged kids living in one of my properties so things could start moving a different direction quickly. 

An analogous parallel to your question might be someone asking a doctor what guarantee they offer for a surgery vs having their neighbor do the surgery with Walgreens supplies and WebMD open in the browser.

It seems like outside of medical workers and grocery/supply chain workers, everyone is going to be hit by this somehow, financially or physically. 

Im just not sure about the medical cost, so hopefully everyone hunkers down and helps us get to the other side quicker!  

Another option - since she already does daycare, this is still desperately needed for people with kids who work in the essential services, like doctors & nurses, law enforcement, janitors, grocery workers and supply-chain.