Even if it doesn't bounce back to the same 2019 levels immediately, like a pendulum the hardest hit should recover at a higher pace, especially when it was external factors...right?

Even if the market goes down, in the long term, it is likely to recover and you are playing the long game.

Separate google sheets for both options. 20yr https://docs.google.com/spreadsheets/d/1IStmjtOnYp4-Ebpbo8CHJePQ4omH5uMJvmJ4HllenTw/edit#gid=197459841130yrhttps://docs.google.com/spreadsheets/d/1KFyesawCRtA6zO0DEvNShNPDEx4M4DVrGj_g0msSPpA/edit#gid=1728890052For IRR calculation it assume 2% annual increase in rent and 3% appreciation as a very conservative historical measurement, but given where we are in the cycle it can still be worse (down for a few years and then recover). 

Woof, just starting to recover from new baby!

However, the US may be the last to recover from COVID.

Then realized my heart was really in business so I dove into the internet marketing world head-first as it was something I could do from a computer while I was recovering.

There are no deficiency judgments by the lender who exercised the right of sale to recover the property.

I am wondering if this is an attempt to find a legal way to disallow a shortsale on a primary residence, in other words, to work around the Homeowners' Exclusion Exemption in some way should I have to sell before the market recovers.

My question is, should I kick out the human trash or should I continue renting to them in order to recover some money I can use towards repairs?

The other nice thing about oil is that the upside is huge as the global economy recovers and fuel consumption grows.Chris