They own the equity in the property as well as the home itself.Sometimes the asset can also be a liability; sellers can help themselves by assisting buyers facing income, asset, or credit barriers; sellers may fund different types of buydowns to lower rates, provide down payment assistance, or carry all or part of a newly created mortgage note; sellers who are trying to move a property in a slower market make the mistake of simply slashing their asking price; dont give away their equity in a "fire sale," implement techniques described here and get your property sold at a fair price.  1.Seller ContributionsNOT "seller concessions", seller contributions are really a range of incentives or other financial offerings designed to make the deal more attractive and doable for a buyer.a.

Find a private or hard money lender to aquire, then refinance out of that loan once you have a renter in the place and can prove cash flow to a lender (the cash flow can be used to boost your income and therefore reduce your DTI)3) If you have equity in your personal home mortgage, get a HELOC and that, combined with your $65k savings, may be enough to do cash purchases in the market you're looking to invest in.4) Try speaking to a local community bank.

Or will the government provide enough assistance to banks allowing them to work with borrowers during this time?

Broker can do this as themself or hire agents to assist.

There are great down payment assistance programs that can help you get into a house for very little cash down.

I have been working with a credit repair company to boost this but it is slowly working. 

If on market, the agent will assist you with putting the offer in.

There is a ton of programs, including unemployment, stimulus checks, rent/utility payment assistance, etc., that are available in all counties and states.

They will also assist you in tracking your business expenses and, of course, in preparing tax statements as due for your particular type of business. 

Why not provide some metrics here so we can assist you in analyzing the opportunity, as seen from a buy/hold investor?