We, like so many others, will be dealing with a reduced income for the duration of this crisis.

That's just me.To answer your questions, underwrite your ARV much lower than you think to stress test your numbers. 

My goals are to wholesale/flip a few properties until I reduce my personal debt by about $50k; thereafter I will flip and hold full time with full intentions on leaving my secured fulltime job (errr).

Throughout these three years, she had been reducing the price down from $125,000.

However I do t know how much money you would convert, what tax bracket you are in, how much your return will be, etc. invest in what you know and understand to reduce risk. 

Subject: COVID-19 pandemicDue to recent events all late fees forrent will not apply.We are asking you to contact us ifquestions or payment delays occur by email or text.We will be working with each of ourvalued tenants to reduce or delay payments as needed.  

There are also a lot of first time homebuyer assistance programs out there that can help get you grant money to reduce the closing costs or downpayment that you need

I titled it   " The Pivot" and what i meant by that was we are moving from max leverage on some deals to paying cash and live with the lower returns but sleep well with little to no debt.Well I was thinking i missed it about 90 days ago.. since the market was showing some stress signs a year or so ago but came roaring back.. 

I believe there will be people under stressful situations that will need to sell fast and if you have cash then you will be in the right position to seize real estate at a great discount. 

Best of luck in your investments, particularly in such a stressful time for the market.