If you do not have the cash to keep your mortgage current without financial strain, you are house poor. Covid-19 has disrupted the economy and made being house poor an unacceptable burden. Don't ruin your life just to pay the mortgage. Covid-19 may have created the problem, but only you can fix it. The CARES Act mandates that your mortgage lender grant you forbearance on your existing loan. BUT, note forbearance is not forgiveness. You still owe the unpaid payments. Failure to pay can put you at the risk of foreclosure and worse it can destroy your credit score. The time to fix this is now -- before your credit is affected. Realistically, you have until the end of 2020.