I encourage you continue reading, researching, and saving for an emergency fund.

A 10% emergency reserve is added off the base budget for any cost overruns or unexpected expenses after closing that occur but if never needed it is subtracted from final loan principal.So while not as easy as a hard money loan and with lender oversight, this may be an answer in this situation.

We are not a vacation destination, but feel strongly we will emerge from COVID a winner.

A simple - "Hey we have a medical issue going on, please stay away from these spaces at this time" would have worked. 

Minnesota has: -in-land sea port, -Federal Reserve, -agriculture main hub, -financial main hub, -insurance industry hub, -medical industry main hub, -major military manufacturing hub and on and on and on and on.

Our homeowners can’t be in the position of insuring everyone against COVID or any other illness or emergency.  

For example, I found one that has 16 liens against it from various sources like payday lenders, medical facilities, and other commercial entities. 

WA state gov does have emergency order for rental evictions during covid with a few exceptions, such as owner selling house 60 day notice, and owner moving in to occupy rental on 60 day notice.

It's really based on fact and circumstance.One of the benefits of virtual currency is that it's not subject to wash sale rules (however newly emerging virtual currency ETFs would be). 

Some of my clients who have had their units mainly for a 'college rental' strategy has definitely seen a slow down in terms of absorption rate but I was able to rent a 3 bed by a medical school for $3600/month in Boston.