Once both banks are in contact you may be able to freeze the funds and get them back. 

I am surprised being that far north that they don't allow it for the freeze protection alone.

I'm not sure what happens when water lines freeze, could there be multiple breaks, could there be breaks in the wall? 

First off this is no definite end in site which means it could go a lot longer or be over quickly so the length of this pandemic along with the increased unemployment and freeze on not only credit but consumer spending as well is going to help dictate the market.

If so, you may be stuck with them until the eviction freeze is lifted.

And with credit freezing and rates going up a bunch.. you can bet the folks that dont know what they dont know are going to be falling for these scams left and right..

.-- Owners maintain the property so those who cannot afford to do it have a roof over their head that does not leak (an un-doable repair expense for "The Working Poor"), and replace furnaces so they don't freeze to death in the winter, and replace hot water heaters so they can wash.The working poor cannot afford to buy furnace, let alone the price of installation.There is not a renter/owner problem in the USA, other than what is being artificially gined up.The system works well for both sides.Just my 2 cents. 

I'd say case by case which is more tedious, roofs vary in length of life from leaf litter, to heat exposure, to freeze thaw cycle to if they were maintained by the previous owner, most of the time you can tell if a roof is in good shape, iffy shape or bad shape from the ground. 

The upside is you don't have to pay interest on the entire amount, the downside is that you may put yourself at risk of having a lender freeze the LOC. 

Many areas do have temporary eviction freezes because courthouses are closed, but the courts will reopen and evictions will resume.Out your markets, I would put them in the order of Durham, Pittsburgh, then Ft Worth.