But the business consulting skills translates well to deal analysis, capital raising, and networking...all valuable skills in REI. 

Changes and Alterations.

SureLy they will alter especially with unexpected expenses like a bad ac unit not working and your tenants are complaining to get a new system ASAP then you panic and call the most expensive ac company in the city then they will come and quote you on a new unit for over 1k$ and you pay for it only to find out later your old ac unit only problem was a 10$ blown capacity...

Of course, there are numerous scenarios and negotiation tactics that can alter this. 

On smaller loan amounts it's the points/fees that gets you (the 3% for owner occ and 5% for investment that you referenced), on larger loans it's the "average prime offer rate" (APOR) test, the computer is comparing the interest rate and APR on the cash out, 2-4 unit, high balance, high LTV, investment property (worst possible pricing, every individual item I just listed is a 'hit'), and wondering why it's X% higher than the owner occ 740 FICO 25% down $500k house (best possible pricing).Surprisingly, you see a LOT of variance in the interpretation of these rules, which translates into what is programmed into the various computer systems.

Translated "I really just want my 3% and I am not really sure so this sounds good"  (disclaimer:  Not all realtors are this way but most don't have experience renting homes)Ask a PM with experience.   

The trash gets piled up...which eventually translate into a call to me about seeing roaches around the trash cans under the sink cabinet. 

Doing so will be life altering and a BIG boost in helping you get more financially fit. 

Be mindful that while forbearance will not alter your credit score, creditors will know you are not paying your mortgage.I know in these extraordinary times one must do what is best for their current financial situation.

That is unless someone can tell me how my small studio unit (for my ninety year-old mother in law) or a 150 sf alteration would financially impact the LBUSD.