addition to it being challenging to view properties, the current financial hardship is being acknowledge by lenders giving borrowers a 90 day graceperiod. 

I put him in contact with the refi lender I planned to use, who confirmed the numbers, and the rest was history.I needed about 315k (PP 275+ Rehab 40k) but ended up having to borrow 330K because of 15k in closing costs.

If you keep the amount borrowed lower that will also help with the cash flow in the future.  

It is illegal for the borrower to do it.

I've given my tenants information for government rental assistance, information on borrowing from 401K with extended time to repay, and job ideas that are still operating (i.e.

You could finance the deal, borrow private money or ask for seller financing, lease option or subject to.   

States/localities have limited ways to make this up: increase taxes, increased contributions, increase borrowing (not always an option), decrease benefits, kick the can down the road, lie about assets and projected returns (this was already happening).

Borrow it, steal it.

Lets set aside for the moment the likely-hood of having the borrower actually pay the balloon. 

If they're unable to pay in April and/or the foreseeable future you can bet the note holder has heard about it via the borrower.