Using 10% is pretty normal for most of us but it's up to you.

Realizing housing markets will be hit in a few months to maybe even a couple of years, I believe prices will eventually return to normal. 

My thought is that it helps me hedge more loss than I would normally be exposed to. 

Law firm advisories to banking institutionsA little context: in normal times, any loan modification is considered a "troubled debt restructuring," which is a negative on your credit score. 

“In the short term, you can imagine if everything returned to normal, there are protections for people’s housing with a moratorium on evictions,” said Rob Warnock, research associate at Apartment List.

normal is 6%, this was an arrangement made between parties. 

So that would normally buy you some time. 

Normally if they don't leave you'd start eviction but with the moratorium on that in CA who knows how long you'd wait.

Yes, I am not talking about the "normal" rules for section 8 qualification of property or tenants.Yes, this is an emergency but it can be set up to be run online with very little effort.This would run parallel to the current section 8 program.You would only have people qualified for a few months while they are unemployed.

Normally we provide food and drinks at the events but tonight is BYOB https://www.biggerpockets.com/forums/521/topics/820307-pints-and-properties-virtual-meetup?