Owning rentals involves volatility in cash flows, if the investors can’t figure out the best way to deal with COVID-19 while paying all their bills, then they don’t deserve to have rentals. 2 - There are options available to Investors: They can always put it on a credit card, which really already has a payment plan set up for them with their terms... an investor can quite literally just pay the minimum until they get back on their feet, not suggesting anyone just make the minimum on a CC but that is an option, just like it is an option to put food, utilities and anything else on a credit card, investments are no different. 3 - There are loans available to Investors: Applying for temporary or unsecured loans to make ends meet are available and even more so now - and before anyone says you won't qualify - there's only one person to blame for getting yourself overleveraged in some vanity fueled quest to reach x number of doors and yes... a CC is a type of loan when used - so if you have a CC... you can access to borrowed funds with a re-payment system. 4 - Why does an investor have to own their current rentals?

If i'm househacking, would I just cut my rental income and utilities in half?

That would at least get the utilities, cable, etc deposits for their new place...

Where are the NY bills stopping banks from repossessing cars and telling mobile phone and cable companies (monopoly) and utilities (public monopoly's) that they have to provide service for free?   

That we are still paying for even more utilities as our dwellings become 24/7 office spaces, childcare spaces and virus protection.

Definitely make the records requests to the towns/cities you are interested in (you can find the info for public records requests very easily on most town/city websites), but would also highly suggest thinking about other types of motivated buyer lists you can obtain - tax lists tend to be the go to for investors (and by all means still utilize them), which means the people on them are often getting targeted by multiple investors which can be overwhelming for them and less beneficial for you.

-Are utilities on separate meters where it would be easy to charge tenants and have them pay for the costs directly?

The house hadn't been lived in for about 9 years so there was no utilities there and we started this rehab in October and then winter came and we were working in a house with no electricity and no HVAC when it was literally 10 degrees outside.

The house hadn't been lived in for about 9 years so there was no utilities there and we started this rehab in October and then winter came and we were working in a house with no electricity and no HVAC when it was literally 10 degrees outside.

Instead I utilized the calculators to determine my number.