I read that FHA borrowers who receive forbearance are required by their servicer to be offered a “COVID 19 Standalone Partial Claim,” which gives borrowers an interest-free subordinate mortgage that they do not have to pay off until their first mortgage is paid off. This way there is no payment shock for the borrower; but they will owe more money on their home in the future when they sell or refinance than what their monthly statement shows. 

Let me tell you from experience that this is not a fun conversation to have with my clients because they will FORGET about this extra amount owed. Thus, make sure to pull an O&E on every home you list to avoid this surprise.