The way I see it, we probably won't see any income coming in on any of the units till possibly Aug-September and by then we'll have burned thru all reserves and roll right into tax season and be facing fat tax bills due.  

@Russell BrazilIs this common in MD?

@Anna L. a common question right now.

Unlike traditional marketing avenues where you are just putting your message out into the universe, on social media you are sending your message to people you have specifically connected with and as such have things in common.

FWIW I am investing heavily in the market right now - my employer's 401k and match, I fully fund my HSA account (google it, commonly used as another 401k type resource), and send weekly automated investments to Vanguard VTSAX in my taxable account (which I could pull anytime to use for RE if I wanted, after paying capital gains tax on it).

Is this common?

@Brett Goldsmith Yes, a lot depends on how quickly help arrives and how quickly the economy recovers.I think forebearance plans will become common and I think it's the most appropriate tool for most people in the near future.

Does anyone know a lender that will allow one loan for this duplex even though it is technically two townhomes that share a common wall.

This is a common issue that Landlords need to prepare for.

The appraiser did go into the basement and common areas of course.A lot of the local banks and credit unions are buried with EIDL and other CARES act funding right now.