On the private lending side, I would expect that private or hard-money lenders should be equally accommodating by offering either an Interest Only (IO) period or a deferral period....BUT you have to be candid with them as to your situation and state what you're specifically asking for in terms of assistance.

I've had Lenders initially offer us an Interest Only (IO) Period and state that if things worsen with the pandemic that they'll most likely convert to a Deferral Program;I hope the above information is helpful.  

I ended up going through Lima One capital (who I wouldn't necessarily recommend) for a bridge loan. 2 year IO at 9.75% with 2 points.

It really depends, they can charge an origination point on the front, they can charge an exit fee on the back and then they receive monthly IO payments from you during the deal, unless you wrap the 6 months payments into the loan itself and it's due at payoff (I doubt an individual private investor will do it, but there are many professional shops that will do this).

As long as you can service the I/O payment on the HELOC, this is a great strategy. 

I've had Lenders initially offer us an Interest Only (IO) Period and state that if things worsen with the pandemic that they'll most likely convert to a Deferral Program;Best of luck to you moving forward!

Rates under 5% 1-2 year I/O.

that's a long time of IO) you should have additional cash flow.

He is addicted to the BP podcasts.Later I took my Mac Book Pro into an Apple store to have an IOS update issued corrected.

If you start at 10% down/8% IO they might ask for 15%/12%.