A variable rate on the other hand is usually three months of the interest portion of your loan if you want to leave early (I’m guessing that’s what you have on your primary residence).In the future, I’d suggest always getting a variable rate on your investment properties IF you want the flexibility to sell anytime during the term with a relatively low penalty.

Please note that the account into which the funds are deposited must be the same type of account from which the funds were first withdrawn (e.g. withdrawal of pre-tax funds from a 401k could be deposited in a pre-tax IRA but not a Roth IRA - "like to like").Loans:Payments on a 401k loan taken under the CARES Act must be paid back starting in 2021 over a 5 year term.Here are the details regarding the loans:NEW LOANS:The CARES Act which was enacted to provide relief to individuals impacted by COVID-19 allows for increased 401k loans and more flexibility for repayment of these loans.Specifically, you must be an individual who meets one of the following conditions to demonstrate that you have been impacted by the crisis (and it will be your responsibility to retain documents in your files that demonstrates that you are a qualified individual):Individual who is diagnosed with COVID-19, with a CDC-approved test;Individual whose spouse or dependent is diagnosed with COVID-19, with a CDC-approved test; ORIndividual who experiences adverse financial consequences as a result of being quarantined, furloughed, laid off, having work hours reduced, being unable to work due to lack of child care due to COVID-19, closing or reducing hours of a business owned or operated by the individual due to COVID-19; or other factors as determined by the Treasury Secretary.On or before September 23, 2020, such individuals take a 401k participant loan subject to the following terms:Maximum Amount of the Loan: 100% of their 401k balance not to exceed $100,000.

I suspect you are flexible (no spouse and kids?) 

But I was wondering due to the circumstances with fewer people buying houses, if lenders are being more flexible when it comes to pay stubs and job requirements? 

As an owner-only business retirement plan, the Solo 401(k) has higher contribution limits, allowing you to build your savings on the front end as well as providing investment flexibility.

I wonder if each county had some flexibility but had to start by a certain date.

Local community banks have a greater capacity to be flexible in their lending criteria, but only exercise that flexibility to the extent the know & trust the borrower.

It's a flexible asset class that allows you to multiply your capital exponentially if you're willing to put in effort, take the time to learn and get uncomfortable. 

It gives more flexibility on options for our client.

As an owner-only business retirement plan, the Solo 401(k) has higher contribution limits, allowing you to build your savings on the front end as well as providing investment flexibility.