We just recently 'laid off' ourselves due to the complete cessation of our business due to the pandemic and government orders to stop non-essential business.

The people building downtown aren’t the normal apartment builders for the most part and use government programs and leverage different than us average joes.

Many tenants have made it clear that they will not pay rent and understandably this will cause a major inconvenience to Landlords that have non government backed mortgages.

@Bellman TumasangThere is government data, which is free, to start.Keep in mind that numbers are relative in this case.

They are government employees and are there to help.

I only fear what the government may decide to do to me.  

Or do I try to go for a 100% forgiveness and ramp my payroll up to what our volume was at previously and hope the government comes through with their promise?  

The spread in yields between these property types and retail is not totally unreasonable, but the best positioned retail assets appeared under-priced relative to other asset types due to indiscriminate negative sentiment.Retail and the COVID-19 Recession: Permanent Changes and Severe Temporary Impacts Retail’s slow start to the year turned into a sudden free fall as governments around the country and the world issued stay-at-home directives and ordered non-essential businesses closed to hasten the rampant spread of the virus.

With Congress set to pass a $2 trillion stimulus package that includes increased incentives to keep workers on the payroll and an additional $600 in weekly unemployment benefits from the federal government, these effects could be somewhat ameliorated, but only for a short period of time.

Many folks in D areas do not work: their income comes from government programs, disability benefits, etc.