FWIW I am investing heavily in the market right now - my employer's 401k and match, I fully fund my HSA account (google it, commonly used as another 401k type resource), and send weekly automated investments to Vanguard VTSAX in my taxable account (which I could pull anytime to use for RE if I wanted, after paying capital gains tax on it).

Is this common?

@Brett Goldsmith Yes, a lot depends on how quickly help arrives and how quickly the economy recovers.I think forebearance plans will become common and I think it's the most appropriate tool for most people in the near future.

Does anyone know a lender that will allow one loan for this duplex even though it is technically two townhomes that share a common wall.

This is a common issue that Landlords need to prepare for.

The appraiser did go into the basement and common areas of course.A lot of the local banks and credit unions are buried with EIDL and other CARES act funding right now.

If not then I think the next best (and most common) thing is to just issue a check back.  

If his purchase is greater than his sale you can take title to the additional interest as a tenant in common. 

I spoke with the team there and pointed out recent sold that were not showing up in their CMA's but with some more search found this to be a common complaint.  

You want them to be on your side, getting them to empathize with you and finding some common ground will go a long way.