At least addressing #1, I think people underestimate the fact that renting property is a business. If making your mortgage is contingent on both income from your job and your business, that’s a pretty risky position to be in. I’m not sure it’s fair to blame the law on this situation. If his tenant lost their job due to the pandemic they wouldn’t be able to make rent, either. He’d need to go through the time consuming and costly effort to evict that person over several months. The pandemic is the problem, and even the absurd real estate market is susceptible to that risk.