Now, of course, there is a ton of uncertainty about everything.I'm still considering the refinance, but if I do it at all, I'll be reducing the total loan amount from what I was considering.

I have a private medical practice/recently quit my W2 job.

On the conservative side of my original post, if I reduced my expenses by $700/mo by buying down the loan $20k, in three years, that’s $25k to the good from reduced expenses.

Do you think the seller would be understanding of the buyer having busy contractors and the possibility of that reducing the chances of getting the contract signed?

Are there opportunities to reduce expenses? 

People who really don't know squat about how respirators work are coming up with 3D printing designs, sewing masks out of furnace filter paper, trying to find substitutes for the 3M N95 models 1860 (medical) and 8210 (general use) disposable paper masks.

My goal is to try to minimize locations while keeping a 10-12 percent CoC return in the San Antonio area.More generally though, I've been looking at going into multi-family housing more as, again, it would reduce the amount of locations I have to manage, at least in the short-medium term.

So it's harder to get loans approved and some banks are asking for reduced LTV's, at least from what I've heard.

You must reduce the basis of property by the depreciation allowed or allowable, whichever is greater.

The trend indicates a minimum of 10 to 20 % drop in home prices as sellers reduce home prices due to lack of Buyers.