Although that seems like a great idea, I’m at a stage in life where moving my family back into a duplex or apartment for a temporary period as an investment strategy is likely a non-starter.

Currently in the agent hunting stage.

What's everybody's dialogue look like at the first contact stage?

We are in the beginning stages of starting a webpage that advertise our Rentals.

By the time a bank would get involved at the refi stage, crypto wouldn't enter their radar because you'd already have 100% equity in the property.

The foreclosure moratorium applies to "Federally" backed loans... fannie mae, freddie mac etc..just to add to this....Many states will be different... we wont see a lot of foreclosures (as in at the court steps for sale) in cali because of the level of equity a lot of people have, however we will likely see a decent increase of pre-foreclosures which is where I find my business, before it gets to the final stage. 

I am at the very beginning stages.

(Besides being zoned Residential-LOL) Like, photoshopping landscaping to the front, virtual staging and making a new listing on Craigslist?

The first one is in permitting stage.

I am in the infancy stage (or zygote stage if that exists).