Is anyone familiar with any laws they've passed either federally or in PA having to do with rent collections?

Here are the assumptions I've built in:Flat to slightly negative rent growth for 2020 and 2021Double total vacancy in 2020 (at least 15%-20%)At least one year of reserves (Fannie/Freddie may now require 18 months!)

You have reserves and a solid tenant you should be okay.

I was thinking about using it to rehab an investment property, about $18,000, we just bought and save access to the rest for reserves should this current economical state continue for many months. 

Do you have a cushion or reserves for the next 6-12 months?

Numbers seem to be good but I do not want to use up all reserves in this uncertain time. 

In conditions such as those we face today, fulfilling redemption requests would require us to either substantially deplete vital cash reserves, or, even worse, potentially sell assets into a down market, likely at a price far below actual value.

We aren't a large multinational corporation with massive reserves and big cushions to fall back on, but we are human beings that have empathy for a situation that no one alive has ever been through.We are keeping our eyes on programs that the government is designing to help individuals, especially tenants, to get through these hardships.

There is FEDERAL unemployment that will be offered on top of the state's offering, which in my opinion will be a lifesaver for most citizens and landlords, but it won't come for a little bit.

Also take into account your cash reserve.