@Ryan Bird this delay is likely unrelated to COVID due to the fact that the shutdown didnt take effect until March.

We really can't be effective if we do not organize, and that movement has begun.

The rates are reasonable (mortgage rates just dropped again yesterday as an attempt to offset the standards tightening, which effects Home Equity Lines rates as well).

When it comes to any planning for any kind of operation, we have to effectively identify risk.

Your letter may have the effect of driving out your tenant if there is no viable alternative. 

When California put into effect the Shelter-in-Place, I brainstormed how I can bring more value to our current situation.

Canandaigua as well as other portions of the Western NY area, are great for investments, as long as you take the tax liability into the equation, as well as new state laws that took effect last year, that need to be accounted for, so you go into any transaction eyes wide open, and all (realistic) numbers in the equation.

In exchange it is possible to get a reduction in rent for those who are able to effectively self manage the property, as well as additional opportunities to make hourly wages as high as $21 an hour.

@Robert HetrickPer the loan offset rules that went into effect with the 2018 Tax and Job Act: if you leave your job and the loan is current at the time you leave your job but then the loan goes into default because you left your job, you will have until your tax return deadline (including any timely filed extension) to make the loan current by depositing the outstanding balance into an IRA (and thereby avoid the taxes and penalties that would otherwise apply).

You need a calm consistent demeanor and the ability to handle and solve problems and you have to effectively deal with lots of different personalities.