That is not an industry wide rule.

That is really important and can vary widely.

Industry wide, no one started staffing up a year ago for #coronavirus.

A world wide pandemic seems like a legit reason to walk but maybe you’re right.

There is an incredibly wide range of service you'll receive from different real estate agents.

Here's my baseline, which I will adjust based on the market, location, property:Vacancy: 5-8%; SFR I use 5%, MFR 8%Repairs: 7.5%CapEx: 7.5%Management: 8-12%; the more units the lower the percentageProperty Taxes: Confirm with municipality, never estimateInsurance: $50-75/month/$100k of value; can vary widely by location.

Unknowns about the virus itself and unknowns about how wide spread it will become and how long it will take to start seeing significant containment, then decreases in cases.

That money generally doesn't come from a bank although some local banks do have loans they keep in house and they will make up their own rules, but they usually come from mortgage brokers who have access to a wide variety of wholesale, portfolio lenders. 

Too many people are widely offering their services, but you have to pinpoint what you bring to the table or else someone has no reason to share information with you.

My thought go; to I can handle a few missed rents every month but I've never planned on an entire City, State even country wide shut down of income for all my clients.