But what I read in several advisories sent out by law firms that represent financial institutions indicate something else: Like this advisory from Thompson Coburn, that quotes a joint statement put out by all credit agencies (FDIC, etc.): "The agencies have confirmed with staff of the Financial Accounting Standards Board (FASB) that short-term modifications made on a good faith basis in response to COVID-19 to borrowers who were current prior to any relief, are not troubled debt restructuring."

I like 75% or below to stay on the safe side.Debt service coverage ratio (DSCR) is Net Operating Income/Total Debt Service is a metric that allows us to finance properly with agency debt and to other options available to close.

Exceptions are made for healthcare facility construction directly related to the COVID-19 response; affordable housing; public works projects when designated as essential by the lead governmental agency; shelters and temporary housing; projects necessary to provide critical services to certain vulnerable individuals; construction necessary to secure an existing construction site; and limited essential residential or business repairs.- Individuals may move residences only if it is not possible to wait until the Order expires, such as if a move is already planned or if it is necessary for safety or habitability.Direct link to summary of changes:https://cchealth.org/coronavirus/pdf/2020-0331-Summary-Superseding-Order-Changes.pdf

Will the entire amount that we charge the tenant be covered, or will it be held to the amount the local agency finds is appropriate?

However, numerous law enforcement agencies have adopted the text into law, some federal agencies, some state agencies, and even some local agencies in a few cases.

Right now I use Grasshopper, but the VA agency said that Grasshopper doesn't work from there.

(I have a computer consulting background).I charge a T&M fee to create,produce and update these listsI print,stuff and mail their mailings for themPart of my service includes Buyer Agency and an agreement to List any properties they fix and flip.These services and fees are reasonable to pay as it helps you achieve your goals.Interview a few agents and find a match that suits your needs.Any agent can do this for you, but only a good agent can do it well for you.LOL, I now see you are an agent, you can do this through your MLS

The market and asset class will determine vacancy rates so depending on the asset class, tenant profile, and location will determine vacancy.The more reserves you have the better you will sleep at night. 1 year of reserves is a great number and a rational choice unless you are forced to increase your reserve balance from an agency lender. 

. - In the good times and the bad I keep a running list of job opportunities I see, temp agencies, gig jobs for supplemental income, local resources (rent assistance, food assistance, etc), and anything else I think may be beneficial.

I am now requiring a $500 up-front retainer fee along with a year-long signed buyer agency agreement that specifies a minimum commission of $3,500 (with the $500 deducted from that commission or refunded after first commission paid) for any new "investor" buyer clients.