However i just refinanced (before really looking into real estate at all) and got a loan for $183000 reducing the interest rate by 1.75% to 3.5%. 

This means that people who take the standard deduction — which is $12,400 for singles and $24,800 for married-filing-jointly in 2020 — can still write off up to $300 in donations.This would take effect in 2020, so you’d claim the break when you file your 2020 return next spring.Deductions reduce your taxable income based on your federal income tax bracket.

Anything more than 1 million would require a mortgage which can greatly reduce cash flow.Option 3 is to take equity out of my current two rentals and buy new properties.

Nationwide is reducing their real estate footprint. 

School is done, stores and restaurants will open back up, people will start to travel, sun will kill off the virus and reduce the number of infections, and people will be tired of all the nonsense. 

There should be value added to the property, this should reduce vacancy, BUT do the upfront costs and maintenance $'s added to my CapEx budget negate the added value?

With deferment, your payments may be due once the designated time period ends or they may be tacked onto the end of your loan (basically extending your loan term).  2) A Forbearance :  Allows  you to make reduced payments or no payments for a set period of time, though your loan continues to gain interest during this period.

Remember, when you have a GOOD agent, they will fight for your best interest but every dollar the purchase price is reduced, that typically equates to money not going into their pocket.

Why that prediction: We just received a notice from our daughter's university that because of COVID-19 they will have to reduce the density of student housing in the fall.

If I reduce that down even further (pay down a big chunk when refinancing) would that help with rates?