Trail plans are common for most loan modifications.I'd be surprised if they just gave everyone trail plans who wanted it.

I am confused if this addition in principle is common for big vs small lenders ?

Stucco is common where I’m at, and that never needs to be replaced (just repainted).  

Whether it be someone living downstairs or above you or sharing a common wall. 

In that case each tenant is renting a room and the rest of the areas of the house are common areas.

Tragedy of the commons and all...You're not accounting for vacancy.

They throw common sense out the window. 

A Realtor, an experienced and trusted advisor, a real estate attorney - just someone who knows how to navigate real estate sales.On paying for a Realtor, we commonly say that the seller pays commissions. 

Yes, do the normal things you would do to avoid contracting the common flu and you'll be fine. the level of fear very from town to town, and I'm convince that at the end, this palpable fear the airwaves have been flooded with would've done more damage than covid-19 is capable of.

Here in the south, roaches are much more common than up in the northern states. ie, they're prevalent all over and they get into the houses of the most meticulous house keepers.Another option would be to hire an exterminator company and have them treat the place.