Depending on the loan program, the bank may count part of any potential rental income.If you run into trouble, it may be worth considering a commercial loan.

I dont really like the idea of trying to get a decent tenant at the moment. luckily this property (duplex) will still cashflow at 40% rent reduction so its better than nothing.thanks for any advice.Develop a promise to pay program.

Just something to be aware of when you're dealing with government programs and other third parties!

Does anyone have any experience from using Rob Swanson's 100's of Leads in an Hour program?  

This organization has been around for decades and concentrates on educating investors of all levels and creating events for them to connect.Even during COVID-19 they have a robust program, they bring in market leaders and analysts to keep you posted on what's going on and they host virtual events based on your specific interests.

Maybe they thought if there is a crisis they want to keep their assets and not decrease current loan quality.As things improve you'll probably see them come back.I had heard very early on from one friend at Wells Fargo, that they had stopped doing them.Also many of the "special" programs have stopped...like Dr.

Companies use estimating programs that determine the amount that they think that cost would be.

However, not all programs allow this.

Most lenders have bumped up underwriting requirements and sellers aren't feeling too much pain right now with the government programs.

What loan programs are there for low LTV borrowers, what's the min FICO score, do you know your FICO?