I was in USA twice in 2010 and 2011 as a student via Work n Travel program and worked as a lifeguard.

Correspondent lending programs exploded which helped resolve the scalability issue mentioned earlier.

Hopefully in that time, some of the government programs will kick into gear and provide them with additional income.

If there is a problem we help connect them to a program that will help cover rent.

The first time syndicators purchasing in PHX circa 2018-2019 are in the witness protection program and I wouldn't expect a call back anytime soon.I'm sorry to be the bearer of bad news but if you invested in a PHX multifamily purchased in 2018-2019 then you are probably in for long and bumpy ride.

If you have a lot of employees you may also benefit from the Paycheck Protection Program. 

You must take advantage immediately of the mortgage forbearance programs.

What was the "standard" guidance these programs offered for reserve funds?

I am switching over to Cozy.co right now, and lease end dates are part of their program as well, and like @Evan Polaski said above, I also keep the dates in my calendar on my phone.We review all the properties over the winter to see what we are making per door, and what our competitors are charging for comparable units so we know what we need to do with rents. 

The paycheck program is max 2.5x monthly payroll costs 1 year average. 500 employees or less.