Most landlords wouldn’t be able to cover that bill.Perhaps they could look into local social programs like this one: https://www.unitedwayoc.org/how-we-are-doing-more/housing/And, in the meantime, California (unlike the feds) has decided to now offer unemployment assistance to undocumented immigrant workers impacted by this crisis.

Cutting supply generally leads to an increased demand for the remaining supply.COVID-19, on the other hand, may have an impact on demand.

Where investors essentially use the home equity line of credit from the bank to either invest in other properties or pay off their current mortgages.

@John Morgan So, essentially you are saying worst case scenario you lower your rents and your cash flow goes from 3,400/month down to, lets say, 1,600/month, but you are still in the red?

By refinancing without your partner, you both could essentially have 20 properties together (10 in your name and 10 in your partner's name).

It's essentially dead except for me and a couple other people but we can at least stay in touch and maybe it will revive some day.I'm always very busy around the beginning of the month but it would be nice to get together in the next couple of weeks. 

And per a recent conversation I had with @Andrew Postell - you may be able to do even higher; though I would caution about the impact on your cashflow.If you don't already, be sure to get out to a number of networking events. 

Estimates cost you nothing and allow you to decide with your CPA/tax professional how it would impact your tax situation.  

What would be her most viable option after afterwards with the least financial impact?

This is not a common loan, and essentially allows you to use equity in that paid off home and repay it over the course of 20 years (if I remember correctly) and then it locks into a fully amortizing mortgage.