As with any correction, lower income population will be disproportionately hard hit, and businesses servicing that demographic will be effected as well.I was working in retail real estate beginning in 2007, mutifamily will continue to be fine, necessity based retail (grocery stores) will be fine. 

I would just take whatever you were approved for, not change ANYTHING (because you will likely never get it done), set up a separate bank account for the proceeds, not touch the funds UNLESS (a) it's for an expense that is clear cut with zero ambiguity that you can point to the agreement and see it stated in the language, and/or (b) it's an absolute necessity to use it.

Necessity is the mother of invention", to paraphrase Plato

Surely food is just as much a necessity as is housing?

These are usually one time grants, not loans, and do not need to be repaid.The deadline for filing tax returns has been extended to July 15; however, if you believe you are due a refund, you can and should file ASAP to take advantage of this additional income.To those of you who are caregivers, medical personnel, and retail workers who are by necessity still out there dealing with the public -- you are the heros in this crisis and we want to recognize the risk you are taking by getting up and going to work each day.

Providers of Basic Necessities to Economically Disadvantaged Populations, Including:homeless shelters and congregate care facilitiesfood bankshuman services providers whose function includes the direct care of patients in state-licensed or funded voluntary programs; the care, protection, custody and oversight of individuals both in the community and in state-licensed residential facilities; those operating community shelters and other critical human services agencies providing direct care or support9.

Like everywhere else, deals need to be made and compromises will become a necessity.  

Investors that buy outisde of their local market do so out of necessity.

If you have a letter of medical necessity relating to the flooring, that sounds like you may have an ADA claim to level against the HOA for failing to provide a reasonable accommodation.

Insurance is a necessity but I tend to go for the higher deductibles.Don't fall for smoke and mirrors from insurance agents.