Life companies are still game but definitely tightening the guidelines and requirements.It will be interesting to see how office and retail sector change through this and the real effects on the CMBS markets with the inevitable defaults coming due the pike. 

They have tightened some guidelines but all and all loans are still funding on a daily basis.

It made a profit in its first year, and I have tightened up the ship a little bit on the expense side and have a higher occupancy rate, so I suspect a bigger profit this year.  

.- while I am working through the tract map approvals, I’ll be tightening up my construction budget: Shrub clearanceGradingCMU wall(s) Curb/GutterSidewalksPavingLandscapeAll utilities FeesI know that there are plenty of additional details/steps along the way, but these are the ones that I have top of mind at the moment.

Next thing I know I am grabbing the railing which conveniently rips off the wall under my strain.

I recommend you tighten your standards of a "good" tenant.

My concern is that banks will tighten their criteria making it harder and more costly for smaller investors to get loans.

If its the same dated filter I installed at move out I'll charge the tenant for a service of the unit due to the added strain on the system they caused by not following our lease agreement.With your plumbing situation I would include a lease provision that states tenants are responsible for maintaining all plumbing, excluding root intrusion and the like.

You can get the stats from the  CDC here:https://www.cdc.gov/flu/about/...The CDC flu estimates for the 2019-2020 flu season between October 1st 2019 through Feb 15, 2020 looks like this:29 - 41 million flu illnesses13 - 19 million flu medical visits280k-500k flu hospitalizations16k-41k flu deathsSo that is 16,000 - 41,000 flu deaths in just the USA in 4.5 months.These stats fluctuate every year depending on how bad the flu strains are in any given year.  

When I ask these same people what their strategy would be during a downturn, their response is typically that they will tighten their belts a bit and hope for the best.