I am out of work because of Covid 19. I called my lender, pretty quick and easy to ask for forebearance for home mortgage. No credit reporting, agreement on good faith, discussion to be had with them in 3 months in regards to paying back lump sum/tacking it on end of mortgage/making payment plan.
Commercial lender on our rental is requesting P&L statement and letting them know after the first which/if tenants are paying rent, said he would look into refinance or restructuring current loan.
We are not sure what the future will bring but it seemed like getting some breathing room real quick would be helpful.
Before anyone asks : Blew through our 8 month emergency fund 3 months ago in 2 emergencies...life happens.