The point that so many people are still failing to realize and I'm not quite sure why is what happens if this gets really big and thousands start to die every day? 

@John Clark I'm sorry sir but if you are not able to realize that using a paid service without intending to pay for it, is wrong... don't really know what you would like anyone to say...

As of 3.25.2020 less than 1% of our tenants have reached out to our firm about potential interruption in rental payments.Our number of inquiries from potential tenants has decreased only 20%This may because people realize that living in a small apartment is less desirable during a shelter-in-place situation.Many of the professions our tenants have are in the fields that have the strongest demands now. i.e.

As people realized they were likely going to stay in their current place a lot longer than anticipated, rehabs started up. 

I adjusted and estimated the renter insurance at $80 (very conservative) but am waiting on actual quote from local agent.I will put putting in $43.5k cash (HELOC) and covering the rest of acquisition cost and rehab with the HML.Acquisition: $87kRehab: $35kDown payment: $43.5kHML: $78.5kARV: $145kI estimated the refi amount at 70%(LTV) with the ARV@$145k = $101.5 I realize the LTV is low, but I'm being extra conservative considering it's my first BRRRR property.Would really welcome your thoughts on it.Thank you - ValUpdated report here:https://www.biggerpockets.com/calculators/shared/1683395/f397fe9f-4bda-4408-bf0e-f1c99a4d9ea9

I am sure the market will recover at some point (if it doesn't we are all screwed anyway) and I realize for the next 8-24 months, I may not earn quite as much as I would have before this, but anything is better than nothing, and my commitment to investing is for the long-haul and not specifically the immediate return. 

Just realized a tenant hadn't paid rent (my bad. 25 days late) called them.

I am close to closing my first deal and just realized I have every license and other form but that one prepared so I need to get on the ball and yes I am trying to save some $$ during this whole COVID-19 virus thing.

I have done a lot of work to make this happen and tried to adjust to the new reality that hasn't fully been realized.

Last night I realized that one of my units ($650) hadn't paid and they were 25 days late!