It was also zoned for vrbo as well - which increases it's potential NOI and a factor the appraiser did not consider.But again, it's rare. 

The other factor to consider is the configuration of the units.

The fear factor here is unique and it's affecting all sectors of business.

Sure, your first month or two owning this home might be a real slump (I don't know about indefinitely - anyone who catches the virus now shouldn't be contagious a month from now, which means we'll probably see waves of people staying home, and then ideally life will return to normalcy after this initial panic), but these atypical circumstances are precisely why real estate investors insist on factoring in vacancy to your cash flow analysis.

Much more to factor in!

Just know your risk and factor it all in.

I'd budget at least 10% because you have to factor in other costs and the typical 1 months rent leasing fee. 

Although the state's budget is factored at $54 oil, most of the larger oil companies in town are still in the black with oil over $30 per barrel.

You have to consider location, LTV and loan amount is a factor in the process of securing a low rate.

I think economic factors are still the biggest factors (stock market/interest rates/political/upcoming election)...