Things like this obviously impact me, but only for a second.

Thought 1- The Virus- Anyone throwing advise about how the virus is going to impact an investment sector is guessing (or even Educated Guessing at best).  

You are so right that all of them were different and they all impacted RE differently.

How has COVID impacted your properties with tenants?

Will talk to an attorney to see if we can bond it out or somehow handle so that it doesn't impact the buyers.

Term sheets are issued and the only thing that really impacts terms are values coming in significantly different from what the borrower was expecting.

On another note, the only way, I feel,would be to stop paying the note or, if the lender finds out that the deed has been transferred unauthorized, they can demand the entire outstanding balance due(Due on sale), and if that amount is not paid timely then you could have a late payment impact your credit score. 

The property in my example will allow the utilities to be transferred over to the tenants, so that's why I omitted those as expenses (a mistake I made during the rehab process, though, was not factoring them in during that period of time, so that's negatively impacted my budget and is reflected in the report as part of the estimated repairs cost). 

Hard Money may be an option - but that all comes down to math - both in how it will impact your return, and the LTV a lender will be comfortable with --- though you are correct that if you are newer in the industry, it may be harder - and you will most likely pay alittle more as well given the lender risk. 

You can see the impact this is having on northern Pueblo near the hospital where it is gentrifying (quickly).