So I think when companies can't pay their bills due to the simple fact of not getting the revenue, banking will restrict in a large way.

They might have 1 or 2 employees and the rest is family so it's simple for them to open back up when the economy starts up again. 

Simple explanation to the seller that some jerk off submitted 3 offers and then you all move on.

Just a simple phone call with mortgage officer at a bank (or a few) should help clarify how much you'll need for a down payment and what interest rate you might receive - or at what point a bank would be willing to help you refinance. 

Keypad Locks As simple as they are, keypad locks provide convenience, save money in the long run, and be useful during this pandemic.

And all this is separate from the simple fact that if rents are going up you are in a harder place. 

If you are that individual, my humble advice is to not use a simple spreadsheet as was suggested by others in this forum.

They said they do a simple calculation of.

Sooooooo simple.

Outline a thorough comp report that will detail the rent difference between both products, and run a simple profit analysis to see what makes more sense for you based on your budget and risk appetite.