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.

Our current "program" is about to be disrupted if we don't get another property or two as we won't have work for our crews and they will certainly find work elsewhere. 

First, supply chain disruptions.

This can be extremely disruptive.

It has sort of disrupted  my normal pattern but I’ve had to adjust to the market.

I did a streamline refi on a duplex in MA and went from 4.5% to 2.875%, easy process particularly due to no appraisal needed (less disruption to you and tenants) and no income verification etc (less docs to submit). 

I try to provide class A service.To avoid disruption, of you say have a 2 unit building, is there anything unsafe about having a set of ball valves to act as a bypass setup so that when one hot water tank fails, you could direct water from the other hot water tank to provide heat for both apartments?   

I'm not going to ask her about her involvement because I don't want to appear nosey and disrupt our amicable relation.

I know from reading these forums that many people took forbearance without disruption of income.

You are probably friends now, but business can disrupt the friendship.