With just our normal tourist load getting injured (biking, keeping, climbing) the hospital can barely keep up....add corona, it would be impossible.

@Kimberly HoytOh okay, then I normally add 5-10% to my CapEx.

I normally use an agent or attorney for everything, but am trying to get this small seller-finance vacant land sale done inside of a couple of days so was going to DIY this one.Short version I am selling some vacant land, seller finance. 

Now it floods their pond quickly and then the land between the pond and my mom’s and pours out onto my Mother’s land for an hour or two before it begins to recede to normal flow.

Fortunately the lenders didn't force place coverage or you would have been paying 3X the normal premium. 

Normally I would imagine it’s a go, but given today’s environment, I think it might be prudent to opportunistically wait it out a month or two to see how things shake out - 1.

I get that a lot of service sector people are temporarily (I hope) out of work, but I think in a month or two things will be back to normal, at least in terms of businesses reopening, servers, bartenders, etc back to steady work. 

Also, it sounds like you are specifically looking to improve your ability to normalize expenses when underwriting multifamily properties.

Make a maintenance request during normal business hours (2 points)c.

We are seeing them come in with longer than normal timeframe requests as far as inspection and appraisal contingencies, etc....and that's perfectly fine.