For example, do they have 15 store credit cards and tons of credit card debt?

You do need reserves, 3-6 months or 6-12 months depending on the lender.  

On repairs I want more than one house call expense to provide a reserve.

What would you do , Pay off the loan and just profit that every month or refinance the property into a 20 year note , maybe higher rate and lower ltv ( 65% )  , pull out 240+ in equity ( it appraised at 1,100,000 last year ) and use that with current reserves and wait for another deal ?

Dog food and cat food packaging are very common places for roaches, especially at distribution centers or pet stores, that don't have the same standards for pet food pest control as they do for human food.

I'm a first-time Real Estate investor, and I want to ask about the best way to go about financing during this time.I have a large cash reserve saved up, and I'm investigating a multi-family property currently listed in Chicago.

For STNL (pharmacies, grocery stores, home improvement stores, Costco, Wal-mart, auto stores, national to strong regional corporate gas station brands, dollar stores, some national corporate credit QSR's, Davita Dialysis & Fresnuis) still have lenders bullish with 30 to 35% down and some have interest rates in the 3's.

Another thing that has been immensely helpful for me is understanding how much peace is brought by having a reserve in place.

In the future I will more than likely steer clear of this situation.The SFH renovation has been completed, rented out, and I am looking to begin refinance before the duplex begins rehab as I am trying not to deplete capital reserves during this COVID19 issue.

I am buying a small run down cottage listed on the town field card as a residential single family, but completely covered in red for commercial zone on the town's zoning map, it backs up to a grocery store and is across from a bank.