I've talked with 3+ real estate agents, several banks/lenders, and I really want to get the ball rolling.

Contribute, take advantage of the tax savings and potential employer match, and build yourself some tax-sheltered savings.If you have existing retirement funds outside of your existing employer 401(k), those could be rolled over into a self-directed IRA.  

@Syed Naqvi quickly find income and expenses and rent roll (past 12 months).

As to your question,  my impression is after the crash of 2008 banks are now required to have much more risk-adjusted capital to support various stress tests imposed by the regulators.  

Unless the Fed can produce test kits or a vaccine, it may not matter.

We already have 200 confirmed COVID-19 cases and 7 deaths and they just started increasing tests in the last few days.

Investors with tight DSCR's (Debt Service Coverage Ratio) are about to be tested.Now is the time when margins will be put to the test.

Keeping the ball rolling, and upgrading living situation.

Right here, right now, this is a stress test of our past lessons learned and the self-discipline to enact and live according to them.

Went to an industrial supply wholesaler.  48 rolls were $75.