This was a government mandated shut down and the government and agencies are going to make policies to reflect that to try to protect homeowners.

In fact, many economists have openly urged the federal government to pass another major financial relief bill to prevent the recent economic progress from stalling.

While many of us resent working on payment plans with our tenants, the government's stance on evictions has forced many of us to comply and work on payment plans or offer cash for keys to our tenants with varying degrees of success.Some landlords (not all but some) are operating with the mindset that come January 01, 2021 all of these tenants with late rent/unpaid rent will finally be evicted and they can find new better and great tenants again.

If you haven't done that before, there's quite a bit of paperwork needed to get those approved since they are government backed loans.

If it is expressly stated in the listing agreement contract law governs.

Do you think the government can save this trend and predictions? 

Government-backed mortgages only let you do this if you already have 2 years of “rental experience”.

I defaulted on my student loans, so from my understanding, a traditional government loan is out of the question.

The law governs everyone.

The big difference between delinquencies today and in 2008 is the forbearance provision of the CARES Act which is applicable to all government backed loans which account for 70% of all loans.