What will happen in 1-2 months who knows but I don't expect N/O/O to change much except the would-be some reserves required as part of the loan qualifier. 

I have no other debt except the $21K mortgage.

They said because there weren't as many cars on the road...except they didn't think I'd be driving all over creation during the lockdown!

I've actually already gotten a request for an exception. 

There are obviously some exceptions...

Insulation except for foamWindows/doors aren’t bad either, make sure you do it right or they leak.

I can tell you that 21223 is a very cheap and dangerous zip code except for two areas: Union Square and Hollins Market.

I also told him this is why I asked 5x what the bill would be all along but he never would give me a number or estimate except for parts. 

(yes, there are exceptions of course). 

I'm not experienced with this, but have one simple goal - to do a cash-out refi on four properties (three MFR, one SFR) to recover my personal funds used to improve them, all of which I have owned for 5-ish years (no seasoning issues).Debt to income is great, credit is exceptional... there are none of those issues.Thanks in advance for your feedback!