I think another thing to add to the conversation is how the sharing economy (http://tinyurl.com/bqvb4ln) and millennials' growing disinterest in owning homes/mortgages might allow for the disruption of the traditional financing of single family homes.

There are two big disrupters in retail, the first of course in online sales but the other one on the way is 3D printing.

If you have concerns that a prospective tenant would disrupt the peaceful enjoyment of the downstairs unit, I would think that would be a valid reason to deny the application.

It would be greatly appreciated if you took a few minutes to reply to this email with brief answers to the questions below.1.Do you have a problem acquiring good quality tenants (e.g. a tenant who pays on time, doesn’t break the lease, causes little disruption, etc.)?

I think I could get the house for a low price if I made an offer.The EPA's new law statest that if more than six square feet of drywall, etc. in the interior of the house is disrupted, a contractor with the new EPA lead safe certification needs to do the work.I've looked at the EPA's list of contractors and none of the electricians I've worked with in the past have this cert.

If the work is disruptive, the tenant may object.

In fact, for those that had their income disrupted, we waived some rent and deferred others.

Strong demand created by this rate drop has triumphed over other economic disruptions (e.g., pandemic, recession, record unemployment).

I've never had a problem with tenants I've placed and written the lease taking in their partners, but have had issues with legacies taking in new disruptive partners. 

This isn't just delaying the inevitable, it is actually compounding the inevitable evictions from a quantitative manner while disrupting economy, placing all the weight on landlords and banks.Every single tenant that has came to me and asked for some relief during Covid I have empathically obliged, as Im sure the vast majority of investors would also do.