Find out if they have applied for unemployment? 

The vacancies we do have are very difficult to fill right now when the unemployment rate is 20-30%. 

Last year, a steady increase in consumer spending, bolstered by record low unemployment helped to sustain GDP growth even as business spending declined across the second (1%), third (3%) and fourth (2%) quarters.

I'm having trouble determining what the extra value of certain features is.

Add in the rent risk associated with huge unemployment coupled with a statewide eviction moratorium for 90 days after the crisis has abated. 

Some experts project unemployment to reach 20%.

The two main reasons I would not consider taking a withdrawal or loan from a retirement account are: - As others have mentioned, this feature of the CARES ACT allows a withdrawal or loan as long as you acknowledge that you have been financially impacted by the virus.

Here is the idea, rather than renting out the room across the hall to anyone, you could just hire a single friend who is unemployed right now due to the economy to stay in the room for free for the next month or two and their only job would be to annoy and bother this tenant to the full extent possible.

@Aristone Louxz Your tenants should qualify for unemployment.

If just half of them failed to open back up, that would be over 7,000,000 closed businesses, empty commercial buildings, tens of millions unemployed, etc.