Covid-19 has had a lasting effect on every aspect of our lives, our communities and our economy. On March 18, 2020, the Federal Housing Finance Authority (FHFA) and Department of Housing and Urban Development (HUD) announced a moratorium on federally backed mortgages and many privately backed lenders followed suit. On September 1, 2020, the Trump administration extended this relief to renters, as well. With the lockdown, the need for social distancing and so many people struggling with health issues, this was a welcome and appreciated relief, but we all knew it couldn't last forever. Effective July 31, 2021 the moratorium will end, despite the fact that many are still struggling financially. As of July 2, 2021, 6.38% of all residential mortgage loans (14.67% of FHA loans) are in default and 6 million renters are still in default on their leases. The numbers are improving, but there are certainly a lot of distressed homeowners out there, meaning a lot of renters are facing eviction