That's actually pretty good regarding the rent assistance. I haven't heard of anyone in my circles take advantage including some that are slumlords in baltimore. But you notice a major flaw with that? a joint effort between tenant and landlord. You think either party is made up of former straight a students? people are going to drag their feet, or not respond, or just be irresponsbiel about the whole thing, making it a nigthmare to take advantage.
Regarding forbearance, there are major ramifications, because there is such a disconnect and cluster in the industry. I don't know if the rules have changed since, but as of the first quarter of this year, if you had forbearance on your record it had a major impact on your ability (as in you were not able) to apply for a new loan or refinance a current one. If you had a jumbo loan, you had couldn't refinance for an entire 12 months after getting OUT of forbearance.
I'm not stating that everyone needs to be kicked out after missing one payment or that governmetn assistance does not exist. But it's a complicated process that is not sufficient to address the actual needs of tenants and landlords, so I personally have a problem with the government extending the eviction moratorium without addressing the gaps in the assistance they provide.