Numerous jobs have also been created as a result of Covid...I have not had one missed payment, a couple late ones but nothing to do with covid.

I have received numerous responses as to my responsibility to disclose this information to prospective tenants moving forward.

@Tony PortCouple of thingsThere are numerous options for self employed people where tax returns are not required.You will not get Fannie Mae rates or terms, but those loans close every day. 

They'd likely make more money for retirement by starting a bidding war on their property than they would selling to you.

Our tenant has recently gone dark - I have made numerous attempts by both phone and text to reach her due to a maintenance issue she reported.   

They will pass up numerous solid deals.

Is it a war zone and too hard for normal investors? 

Works great in a bidding war, if you're the winning bidder.

How one profits in the real estate game adjusts and shifts, not just with presidential elections but also with pandemics, state governor elections, migration patterns, school district changes, building code changes, recessions, booms, wars, oil wars, tariff wars, and on and on and on and on. 

They touch on numerous different ways to invest other than just rentals, although they cover that as well.