These are specifically designed with the long horizon in mind and are much less sensitive to rapid market swings as well as providing inter-recession protection (probably a phrase I just made up) but it is what is says - letting your wealth in a way where recessions no longer impact or concern you. 

Under normal circumstances this would not impact your personal credit if structured correctly.

If that is the case, jacking up a temporary brace that spans the impacted joists will be step one.  

In addition, prices for hospital care (+0.4%), home furnishings (+0.4%), and airline fares (+2.6%) were key contributors, while heavily COVID impacted industries like autos and recreation continued to have price declines.

This will have a huge impact on what you do next.If it is a mobile home, you will not be able to get an FHA or any other kind of agency loan on the property.

You want to understand the impact.

If my credit was that good, I wouldn't be concerned with the small change that a hard inquiry impacts your score....but that's just me. 

1. 2.5% to each side is most common, from looking offering 2% on the sale side had no impact on DOM when we backtested it, lowering commission for the sales agent would also have no impact other than personal as you mentioned they are a friend. 

The biggest lesson here was the impact of COVID-19 on the long term financing of the property.

The biggest lesson here was the impact of COVID-19 on the long term financing of the property.