Overall what I'm gathering is multiple scenarios have to be considered and evaluated before making a move - rather than sticking to hard metrics. 

Absolutely, Housing has been deemed an essential need and therefore anything that is currently in progress will continue to be in progress, but to a point. 

Evaluate them all, decide what's best for you. 

We will listen to their hardships evaluate on a case-by-case basis if something more needs to happen - like payment plans or no late fee.

Note " I'd then combine the HELOC interest only monthly payment with new mortgage to get a total monthly cost when doing property evaluations."

- What credit score do you use for your evaluation?

I don't see the revenue impact being anywhere close to the price discount now, and utilities have this weird public bargain in which they have little/no risk, because they go in front of a public utility commission every so often, and if they are in a pickle with their revenue vs their costs, the utility commission evaluates their rate case, and just increases rates to cover their costs. 

And typically the contractors that require any mid-progress draw are the same ones that are consistently behind on payroll and their bills, and your job is simply paying back bills.

Once we are past the storm we can then re-evaluate market conditions and mortgage rates and go from there.Hope that helps and you and your family are staying safe!

i was currently in design plans for building an rv park but am wondering if i should re-evaluate.