This wasn't the case in the brokers eyes. 

I think this being a family deal kind of makes it not a rental in many people's eyes (and likely a judge).

Failure is in the eye of the beholder...

Being a city boy through and through (born and raised in NYC), there was a lot to catch up with but I feel like I've been doing a decent dent in my gap of knowledge. 

Being a city boy through and through (born and raised in NYC), there was a lot to catch up with but I feel like I've been doing a decent dent in my gap of knowledge. 

Direct lenders, bankers, brokers, brick-and-mortar, call center, internet lender, whatever, no difference right now, anyone can catch the 'rona (and/or it's impact on a particular loan file in progress).

I have been running numbers on a double duplex (4 units) and I think I have it correct in my spreadsheet, though would someone mind looking at the numbers with fresh eyes to see if I forgot something, or did any of the math wrong.

She would look the landlord in the eye and tell them plainly; “This is what I can honestly pay right now, but I assure you I will pay you in full as soon as I can.” 

The harsh reality is though that for MOST borrowers, once they miss one payment they don't catch up.

All I see is it says residential renters have 12 months to catch-up or "Settle" on ANY missed rent.Does that mean they can go without paying a single dollar over the next 12 months before a landlord can take any action?