I have money just sitting in a regular savings account at the bank !

Does anyone know of a group who might offer regular Zoom calls focused on REI? 

If them dismissing you is a regular occurrence maybe it is time to find a new broker. 

Regular policies don’t cover it.  

Which would also not likely work because as an owner you could lay yourself off on a regular basis and collect unemployment.

In order for me to complete the deal, am I able to go back to a regular conventional loan to afford the down payment and closing cost?

I can understand if it was on the same street corner as the property.I get the restaurant analogy, but restaurants have very high margins, and also has regular customers that will come in 50x a year. 1 customer does not make a dent on their operating profit.

The big "McDonald's hot coffee" awards you hear about are extremely rare and contain extra punitive damages above and beyond the regular award due to long-term, sustained negligence from the losing party.One other thought to help put your mind at ease: I personally know over 100 real estate investors, and none of them have been sued for more than $5,000. 

So with just these above simple facts that don't even take into account the added stimulus payments to UI receiving persons affecting a 100%+ payment of regular pre UI income, it is simply not mathematical to have a "collapse" of any kind what so ever. 

I highly recommend regularly attending local real estate investing meetups in your area/area you want to invest in as well as sending direct messages to other local investors on bp and social media in that target market as well and tell them what you are looking to do and ask to hear their story :).