I'm willing to work with a tenant (he's definitely better than a previous one) maybe will lower rent for a few months (3-4) and than back to normal, with the remaining balance to be paid at the end of the agreement.  

.$100,000 or my actually payment based on a balance of $50,000?

He financed 80% with a 30yr fixed at 3.75% and hard money loan for the balance at 3% for 2years.

If analyzing from income producing investment standpoint can you achieve at least a 10% net return based on purchase price?

Seems like it would achieve little for me given that I already pay very little tax on my real estate activities. 

Each lender is going through their own mayhem, it depends on what's happening with their balance sheets. 

We are looking at lost rents for 6 or more months.Hopefully, everyone will have enough good tenants to balance out the bad ones. 

What is the current balance of the mortgage?

Cheers, Ryan On a SFH I'd put the water bill on the tenants but be highly aware of the balance as most states have water/sewer as a lienable(is that a word?)

I have friends that own restaurants and they're already wondering whether they will be able to recover because they lose money in the winter in summer is their opportunity to balance the books.