It will take time, but your family is the priority now and you don't want to rush to invest money into something new when a 5th child is on the way.

The home would be perfect for multigenerational family type scenario with the tiny house providing housing for an elderly family member or adult child of Babyboomer or a Home health aide like a companion or nanny. 

I aim to get into multi families to learn and have some security, but I love the idea of long term tenants and appreciation, and will probably feel more comfortable with that as my time in the market increases.

I read about someone attempting to get some sort of promissory note from a lender post covid-19 outbreak to refi but not sure If I'd feel comfortable given the ever changing circumstances  

We have a young child and don’t want to put him at any unnecessary risks.

You don't need to do this...so don't.Do you know why the Flight Attendants tell mothers to put their oxygen masks on first, before they put one on their child? 

Family Offices were coming around to get more comfortable with lending.

-What did you want to be when you were a child?

If I am, I do not feel comfortable sending the sellers attorney a check.

For electronic lock boxes go self showings, are you comfortable that people might not steal something?