WE've changed up things a bit to minimize all contact.   

As for the buy now or wait, as @Adam Tafel mentioned, the harm in waiting is you continue to pay rent currently, which is money out the door (meaning minimal in the grand scheme of things). 

Hopefully, we can treat each other like human beings and work through this with minimal trauma.

As long as I have put in the efforts to minimize the magnitude of my losses, I feel I'll be at a net gain no matter what simply because of knowledge received.

There is no indication otherwise.If owners can ride this virus thing out and the lenders cooperate things might be a little lean for a while, but it will get better.

If they did indeed quote a flat rate for advisory services, respectfully, that would indicate they don't really know what they're doing.My firm bills out advisory (consulting) based on time used (i.e.

All Borrower should get something in writing from the servicer indicating that their will be no adverse reporting whatsoever.The next few months will certainly get interesting

Now some states require an accounting of what you did with their deposit, so send a letter to their old address, they didn't give you any idea of where they moved, and indicate the part of the contract they forfeit their deposit for not giving notice.

Granted real estate prices are a slow lagging indicator and there has been so much pent up demand, competition and good jobs and low rates, rents are up and prices up over 6% in my local area. 

Her not being able to pay rent doesn't have anything to do with the virus unless he was going to pay it for her and you didn't indicate that was the case.