Through that, I found that the conversations that you have with people are more impactful.

regarding the covert amendment, if yours is anything like the one in New Mexico, it addresses what would happen if the buyer or the seller or a required service was directly affected by COVID-19 which impacted the deadlines of the transaction.  

If your house is closer to $100k in an area that averages $200k, then beggars can't be choosers and your buyers will be a lot less picky and it shouldn't impact the price as much.Hope that helps.

There can be many factors impacting the delay!

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@John Green I would look at the historical vacancy and impact of that to the gross income.

Rent Control article for California and likely impacts.

I currently work a job that pays very well, the only issue is that I have lost interest in it and it has had a negative impact on my life recently.

Renovations/repairs before/ after in service may need to be split Renovations that impact the entire building need to be split between business and your personal residence if you have a dedicated home office IN your personal residence that's another allocation for business use. 

Next, what underwriting criteria do we need to watch out (or plan) for, or have the largest impact on a re-fi of this nature?