Direct lenders, bankers, brokers, brick-and-mortar, call center, internet lender, whatever, no difference right now, anyone can catch the 'rona (and/or it's impact on a particular loan file in progress).

We file a joint return.

In my state, landlords usually have an advantage because they write the lease; right now, tenants have and an advantage since landlords are temporarily unable to file for eviction.However, many tenants will pay because they haven't lost their jobs and they pay their bills and because they feel that it's the right thing to do.

June 1st from my understanding needs to be paid in full if not we can file for eviction if we haven’t received anything. 

@Asim Sheikhwhy not go with a lender which has less probability to survive any uncertainty. ultimately they file bankruptcy and your mortgage goes away.

Might need to wait a little bit to get the rate you're looking for but a good broker will get your file lined up and ready to go so that as soon as that rate becomes available you can lock it.

You could get a manila file folder and store the lease and application in it. 

I believe their pricing is still $5.00 per file. 

This is more of an accountant question with some of the particulars but if you had that as your primary residence ie where you file taxes from where your mail goes etc. then probably.

Just had a friend's landlord file an addendum to cover this coming months rent.