Subject: COVID-19 pandemicDue to recent events all late fees forrent will not apply.We are asking you to contact us ifquestions or payment delays occur by email or text.We will be working with each of ourvalued tenants to reduce or delay payments as needed.  

There are also a lot of first time homebuyer assistance programs out there that can help get you grant money to reduce the closing costs or downpayment that you need

They are not reporting that the "sky is falling", even though you could argue higher deaths, with vaccinations and advanced medical treatment, is not good.August 1, 2020 to November 2, 2020 there were 81K COVID deathsAugust 1, 2021 to November 2, 2021 there were 136K COVID deathsI am not trying to start a COVID debate.

That is what is leading to projections of higher medical demand. 

He lived about an hour away and had some family medical issues going on.Where are the properties? 

I suspect right now coming into April and the uncertainty of rents coming in PM's are going to be quite busy and will like landlords suffer reduced incomes as their income is based on collected rent at least the monthly portion .. just going to be a wild ride for landlords and Pm's in the next few months but it will pass.I suspect PM's are being bombarded right now with worried investors..   

Again just my non medically qualified opinion.  

Yes, your IRR will be juiced (typically) from some form of cashout refi, but how does that effect their returns, especially if it takes any type of consistent return off the table, or significantly reduces it. 

You can always do a longer closing to reduce your losses, and to wait and see how things settle out in the next few weeks. 

Snowballing certainly has its benefits, but i’m wondering if there is a better way to reduce total interest expenses.Given that that 2/3 rds of interest is paid in the 1st ten years of a 30 Fixed mortgage, there is a timing aspect that comes into play.