But that was his point.. never again are they going to suffer.. they will just live with smaller returns and basically 100% safety.. 

@Rob Hakes Is this $75 coming out of the PM's cut or yours?

Should we wait it out since we own the building and can financially make it work or cut the cord and rent it out?!

If you want to play lower money but be on the cutting edge, buy a handful of biotech stocks that are all working towards a vaccine.

It's almost like you paying for someone to cut your lawn, they cut half, and plan on coming back when they feel like it but expect to be paid in full. 

Just remember, people are scared for their safety.

They have stopped tours in multifamilies, and for optics and safety I would avoid them until things calm down. 

I understand my bank is different from yours and there isn't a clear cut explanation an what may or may not happen.

Certainly doesn’t sound like this method makes the decision as clear-cut, so I want to understand ‘why’ I would be analyzing the return in this manner before factoring it in to the decision.

Find A DSCR lender, many have cut this program off during COVID-19 but they are still around