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hey its Kevin a maul spine Financial Group were tailors so you succeed hey you found us here on Facebook or on YouTube be sure to hit like subscribe and leave some comments below wed love to interact with you especially during these trying times today I want to talk about forbearance agreements and specifically how it relates to covin 19 and even more specifically real estate investors during covin 19 so quickly a forbearance agreement is when you are able to defer or miss some mortgage payments without a foreclosure action oftentimes they would continue to report defaults on your credit report but because of the cares act any loan thats sponsored or owned by the government would be FHA VA Fannie Mae Freddie Mac any of those theyre not going to be reporting the lates on the credit report so it can be pretty attractive for investors I can see this oh youre collecting rents in and you could defer your payments on your loan build up this little cash reserve stack some cash in the b