Since these loans aren't backed by the government sponsored entities like Fannie/Freddie they instead rely on secondary market investor buyers. 

We both have careers in the social services sector, so not high income earners, and I've also taken a break to raise our kids (though I'll be returning to work part time soon). 

Given how incompetent the system has been in tackling Covid, it’s likely a day of reckoning for many sectors except those that are digital or online.

However if they think the government is  going to pay their house payment they might not be near as motivated as you think they are.Someone made a statement that if they call back they are interested in selling, however that is not always true.

Yes, our government is stupid and liberal.

This sounds like a great opportunity to utilize the SBA loan programs, either 504 or SBA 7a.As long as the commercial space your business will be occupying is => 51% of the square footage it would qualify for SBA.Currently, new SBA 7a loans have the first 6 months of P&I payed for by the government!

In my opinion there isn't much room for values to grow anymore because rents haven't risen as much as values due to tenant friendly local government.

Now it’s time to come pay taxes on the house which are a little over 11k/year, and my father rather just give it up to the government than be bothered with it anymore.

Office is riding a middle wave in the CRE sector.

Basically the state government wants to know who to come after if there’s a problem like unpaid taxes or something hugely fraudulent.