I am a medical professional with a background in palliative care and I do not want to choose to live a life working only to retire and bascially have nothing.

Instead of keeping multiple tens of thousands in cash in a savings account, I keep much less in savings and instead have a more robust stock portfolio that I use as a sort of extended reserves that I can liquidate in case of emergency. 

Personally, I'm not touching any of my retirement accounts unless of an absolute emergency.

Additionally, right now, in most places, since courts are closed they are not hearing anything other than 'emergency' evictions.

A parent who gets ill and needs to be taken care of which increases medical expenses and lessens income from loss of time at work.

We are still showing properties, collecting rents, performing maintenance, dealing with emergencies, the list goes on....Please know that we do love what we do, but it really bothers me for someone to ask me to take a pay cut, but still want me to deliver the same level of service, hire good people, be up to day on all of the latest statutes, changes etc...

Landlord has the right to enter the Premises for performing inspections inside and out, making repairs, alterations or improvements, in the case of an emergency, due to abandonment, or pursuant to a court order.

I think if you have the emergency funds in place to be able to carry yourself through financially difficult times in the event that things do not go to plan, you should go for it.

The GFC and COVID both prove that the world doesn't work like your models and our systems, be they financial or medical, or legal, are so complex that no one can begin to understand them.

If you go FHA, 3.5% will be a down payment, then the rest can be applied towards closing costs and a reserves / emergency account.