Its not because I think it will be a huge deal, mainly to thank them for being with me and to help them at least a little during this crazy time.The following is the beginning part of the email I just sent out to all my tenants (for the properties that I self manage):Tenant's name,Effective now, I will be offering the following credits:Rent submitted 5 days early (by the 26th of the prior month) - 10% DISCOUNTRent submitted on time (by the 1st of the month rent is due) - 5% DISCOUNTI will be waiving late fees.

There was this notion that other investors would be effected, but not me.  

I have been working my HP 10bii to arrive at the Effective Rate/Yield on purchase of a note with a balloon. 

We use the aerosol bug bombs (1 in every room) and those have been effective.

One thing I would like to mention is the long lasting effects of the virus.

you can still give notices of rent increases, but they won't take effect until May (that date may change). 

I like to use a fruit tree as an analogy.

Easy and effective. 

Not sure when this goes into effect, but it’s on the way.

Things I would make sure you are considering: 10% early withdrawal penalty + taxes, so you effective rate will be much higher than just taxes.