Would it be too late to request documents for postponed contract?  

Sorry for late responding due to the "shelter-in-place" in the Bay.

No Late payments on credit report does NOT mean that no negative itemsNo FREE 3 months - comes at a costShould only be used as LAST ResortForbearance = Deferment of payments and result in modified loanCredit will take negative hitForbearance is negative hit to creditModified loan is negative hit to creditHarder to get new loanTo qualify for new loan after forbearance, need to show 12 on time payments from date which loan was modified (date started making payments again)Applies to ANY loan - even REFIMassive Volatility:If huge increase of owners need to take forbearance, servicer of loan is still responsible to pay end investor.

Please feel free to share with me your thoughts on this approach.If reached out by a tenant, I would submit them a letter that per the moratorium, a late payment should be "due to a loss of income or substantional medical expenses, caused by COVID19 pandemic."

Please feel free to share with me your thoughts on this approach.If reached out by a tenant, I would submit them a letter that per the moratorium, a late payment should be "due to a loss of income or substantional medical expenses, caused by COVID19 pandemic."

I can waive late fees for April and I will accept partial payment for April.

my dog seems to be much happier lately

Just for 60 days, even if I have a late fee. 

Every month I would add a little towards back balance.  6 months ago he started charging me 75 extra a month saying that was a late fee for the back balance until it was paid off.

I'm not sure of others on this forum, but off late I have explored some MOOCS such as Udemy for Real Estate education and found the "How to Analyze Multifamily Investment Opportunities" by Simon He  "phenomenal" for the price the course was offered ($9.99 a course when those specials are around and they always do).