Jesse, my post was not aimed at you at all, rather to @Jay Hinrichs who likely knows the individual I am referring to who has filled our forums with a bunch of garbage.

And that calculator / chart will definitely be saved for reference!

Real estate is a great career especially when family time is special to you, because a typical 9-5 job would make you miss out on a good chunk of your child's life.

There is a technically the possibility of a DOS clause where the bank could call the note due, but that wouldn't make sense and they don't typically do that.  

If you are referring to expense categories, why not use the ones the IRS requires when reporting rental income!  

Many references say you calculate the yearly depreciation in the value of the building(not land) at purchase and divide by 27.5 years.

Many lenders have already announced a 90 day forebearance and lenders typically take a least 6-12 months to foreclose. 

You can google what is typically required for a commercial mortgage. 

Anyways, real estate is a great career, I had a corporate job for 2 months and I already am sick of the typical 9-5pm job.

At the same time, if your statement about existing leases really referred to existing tenants with no written agreement, the Colorado law calls them tenants on a month to month basis and the requires you to give them a minimum of 21 days notice of the end of the month to month rental.