(I’ll admit my credit is closer to 820 and my DTI is closer to 10%, but I also have 4 existing mortgages and DTI didn’t seem to matter much when I was unemployed. )

With unemployment so high I am nervous about my rental pricing.

Does the commercial have any redeeming features or are they shells?

Do not out build the neighborhood or you WILL lose 99% of the time, ensure your finishes and features are in line with the area. 

If revenues fall due to unemployment and distributions are still being paid, Fannie and Freddie could consider that a distribution from working capital and trigger bad-boy carve outs. 

@Shawn Thomas, as @Peter Nikic is there anything you are doing that would cause a change (current pandemic and unemployment spike aside). 

Further, the ability to get contractors to work in the next few months may be in doubt, as is the ability to get financing to purchase the property, both for the investor as most hard money/private lenders have shut down, and for the end buyer as unemployment rises and employment uncertainty exists.  3 weeks ago mortgage brokers dealing in investor loans thought it was business as usual; two weeks ago they were shocked when their go to lenders tightened underwriting standards, last week they were further shocked when those same lenders shut off lending completely.Your sunny attitude is a great thing, but the reality is that the deals completed will be done 80% or more.  

Unemployment benefits, stimulus checks (on their way??).

Many of them have jobs, are collecting unemployment, or some other sort of income.

The pandemic has caused all sorts of problems trying to get closings done with people being furloughed and on unemployment.