One of subtle but best things I have learned while enrolled in the property owner school of hard knocks for 12 years. 

Vinh, what flavor of Commerical real estate?  

Can you site your source showing just cause must be provided for a lease termination under the current statewide Covid rules.Granted if the tenant refuses to leave, an eviction will be required so the point is subtle in the case that a tenant refuses to leave at lease termination.  

I watch body language, I observe how they interact with each other, how their kids act, everything will give you subtle clues about who they really are, and how they live their life. 

Agreed @Justin G. and I will add a few more flavors of diversification an investor can achieve:Project type (Value-add, stable cash flowing, etc)Sponsor diversification 

So before you take one set of questions – please add you flavor to match your expectations.

Joe,Is there anything subtle about the unit that could drive that?

OK, it's a little embarrassing that I'm recommending these two books because I have to admit that I only purchased the first one -- I can't remember which I purchased first -- because the title caught my eye and then the other book was recommended because I liked the first.They are:Unfu*k Yourself by Gary John Bishop -- Helps get over all the things that are holding you back.The Subtle Art of Not Giving a F*ck by Mark Manson -- Love it because he hates the whole "just be positive" advice.Now, while their not well written, if you want a couple of real estate books that have changed my life, I like:Fire Yourself by Brian Ellwood.

Once you get a flavor for the cap rate you should be able to accurately determine the value of the building from the NOI and understand if a refinance is "worth it" in your situation.

How to Create Wealth Investing in real estate: Grant Cardone (Great to get started, and visualize your journey forward), and Lifestyle Investor:Justin Donald (great for mobile home parks and general investment thinking), Am I Being too Subtle: Sam Zell ( Not specific to multifamily, but really good to understand Sam Zells journey spanning a few decades and financial forces which contributed to his great fortune).