Also, i think we underestimate the large amount of tenants out there that COULD pay but will use the Covid free pass as long as they can (not knowing that they may still need to backpay) once it all blows over. 

Once you get into the study material you might find that you love it or simply don't have the motivation even to study/pass a test. 

I really appreciate the effort and taking the time to come up with this great layout, I love it especially since there is no wasted space and the living room- kitchen area would be around 5 feet taller and almost 2 feet wider, now I’m comparing between the last layout that I was thinking of I’ve attached a picture below, and my question to you as an engineer is which one would cost less and which one would have less deal breakers in it in the eye of a buyer, I’ve put down a very general steps that needs to be taken for each one of them leaving out of the picture the family room converting for now, in the new layout all the bedrooms will have a direct access to bathrooms, but in cast of a guest they’d have to pass a bedroom to go to the bathroom, not sure if that’s very important or not, and if we’d go with the layout you proposed I’d defiantly do the stack-able washer and dryer and maybe put the water heater beside them and use the top part of that space for jackets or small open closetThis is a picture of the other layout that I was thinking of except for the entry door would be in located where the current window is A general steps needs to be taken for each layout are Layout 1 where we relocate the kitchen Convert a window to a front door Maybe build a small porch for the new front door ?

Losses pass a series of tests (basis, at risk, passive, excess biz losses) before you can take them against other sources of income - excess business losses is effectively the very last step.

This virus will pass as well.  

The end result is going to be... good tenants will have no issue moving around while bad tenants during this pandemic will be 'squeezed' out... meaning they'll avoid moving because of a bad record; inability to pass a verification and of the more stringent LL requirements... while at the same time being evicted (once open) out of their rentals for non-payment... a case of burnt bridges and no one willing to take them on. 

.:)In a hot market...like your example...if the house is listed at $200k, but sells for $230k...if you can give any sort of proof it's worth $230k to the appraiser, you could probably get it to pass. ( a good seller's agent will do this for you).For a refinance, appraisers are going to come in much more conservatively.

We should all bear some of the burden here but tenants need to be aware that they do not get a free rental pass as things currently stand. 

Or if you pass a house once, you don’t look at it again?

As someone who works with lenders on the daily, they will look at crime and decline your deal for financing should it pass a certain threshold.