While I don't dispute the claims and do think there is real long term impact to the numbers, a lot of those claims come from bartenders and waiters. 

The unprecedented impact of the pandemic is forcing us to review how we maintain the health of our business and our partnerships.

No impact fees for ADU under 500 sf.https://www.hcd.ca.gov/policy-...

We treat these loans like it's our own credit that could be impacted if we miss a payment (even today with all the lenders practically begging us to defer payment we still pay them timely). 

As inflation picks up you will see the fed begin to hike rates again to combat this, which may have a material impact on your bottom line as an investor. 2.

Assuming that you have been impacted by the virus in one of the enumerated ways and therefore qualify, you can take a penalty-free distribution (as well as waive the 20% withholding requirement) from your 401k (assuming that the employer allows it) anytime between 1/1/2020 and 12/31/2020.

If approved, landlords would likely have to refund any collected rent from impacted tenants.

Most tenants will likely pay their car note before they pay their rent because most states heavily impacted by this have frozen (to some extent or another) evictions.

PorterI was afraid it would increase my insurance premium or have some kind of adverse impact for making the claim.

Are there any of the designations that you have found are essential or more impactful for new agents to get?