I've heard from my network that commercial lenders have a deferred payments for their borrowers for 60 days already! 

I do know (personal experience) commercial lenders have reached out to borrowers in the past week or so and are already started dialogue on workouts / modification / forbearance plansLet’s see where this goes, it’s just the beginning of the movie

With interactive brokerage you can borrow at 3% off your account similar to a heloc if want cash for a real estate project.

I would be a really really awesome borrower (very secure work, very good credit, 0 debt) but don't qualify for a mortgage because my business has been earning money for less than a year and I quit my other job. 1.

Could be illegal in California if the borrower is in foreclosure (if the borrower is in default/foreclosure/etc.

Borrowing from the equity of you primary home is very serious @Jesse Unrath Go carefully.

Some non qm shops are just adjusting guidelines (accepting only 680 or 700+ FICO borrowers etc.) and some have completely suspended all fundings.

Biggest thing I look for is trusting and getting to know the borrower.

This means that they are basically paying you to borrow the money.  2) It is similar to getting an advance on cash flow. 

Once we get to July I expect we will start to see the gyrations in the data but not before then especially if forbearance is still only option for borrowers.