Advantages to not needing help during this time?
I've been reading a lot about forbearance, deferments, SBA PPP loans, EIDL grants etc. and how there is no shame or risk to credit scores or payment history in accepting any assistance that might be offered.

I have just enough cash reserves where I feel I could make it through this and service all of my debt without missing a beat. Is anyone else out there wondering if we would get "credit" for not having to accept any assistance? Will my FICO shoot up 100 points or will I, otherwise, get a break on interest rates from a lender a year from now? 

What would be the tangible benefits of not needing a mortgage modification, SBA loan or other help during this time?
[{"id": "fm97zou", "text": "Whatever benefits you may get will likely pale in comparison to the lower risk you get by holding onto your cash. You never know what could happen. If you're working with a boutique  lender you might see some benefits, big guys won't care- most owners/tenants are going to take advantage of some form of assistance.", "replies": [{"id": "fm98jar", "text": "This is what I thought. It doesn't seem like there is incentive in paying your bills even if you can afford to. I am find sitting on my cash as long as possible it just seems odd that abiding by your agreements during this time won't count for anything in the future.", "replies": [], "depth": 2}], "depth": 1}, {"id": "fm9802k", "text": "There is not extra benefit to not needing the help, other than you arent taking on more debt. \n\nSome I know in your position are still applying for the loan just in case its needed. And if its not they will just repay it. And the interest rate on them is so low you could just sit on the money, and then repay only costing a little in interest.", "replies": [{"id": "fm98rkj", "text": "From a business point of view this makes sense to me 100%. From my own \"morale\" view though I feel like I should pay my bills if I can since that's what I agreed to when the lender took a chance on me. \n\nI also think that if everyone else who will be fine is also applying for assistance then I should be as well.", "replies": [{"id": "fm9eqy1", "text": "You are still paying your loan as you should. Just also applying for the assistance loan, just in case. Most likely it will sit there, you wont need it, then you pay it all back with a little interest. \n\nThere is a chance the economy gets worse and lasts for longer than people estimate. \n\nThat is what many are doing that I know. You want to get ahead of it. If you are to need it, you dont want to wait until the last moment before you are broke.", "replies": [], "depth": 3}], "depth": 2}], "depth": 1}, {"id": "fm9kehv", "text": "Welcome to moral hazard", "replies": [], "depth": 1}, {"id": "fm9l2uu", "text": "Lender here - you do not get brownie points for complying with your contractual obligations. That being said, in the future you will have more \"street cred.\" I still see deals every year from guys that screwed up last cycle and gave properties back - I will always pass on their stuff. Life is too short to willingly walk into a shit storm.", "replies": [{"id": "fm9pnkt", "text": "This is what I came to see. I wanted to hear from a lender's perspective. Sounds like I should still apply for the assistance as other commenters have said. If you see future loan apps that will include forbearance or deferment histories do you or your firm have any \"unofficial\" restrictions on underwriting for that applicant or have you worked that out yet?", "replies": [{"id": "fmbqenk", "text": "Hard to tell. I would think that if we came to an agreement that was mutually beneficial and everything worked out, then there wouldn't be an unofficial strike against a Borrower. I think the more likely outcome of all of this is that we will require more structure going forward, and will probably lower our exposure to hospitality, not that we did much of it before. Anything I'm quoting now is going to require at least a year of DS held back at closing in a reserve.", "replies": [], "depth": 3}, {"id": "fmcv5ie", "text": "Please bear in mind this is from a specific lender\u2019s perspective, and not reflective of the industry as a whole.", "replies": [], "depth": 3}], "depth": 2}], "depth": 1}, {"id": "fmhyeci", "text": "The agencies will certainly remember who kept up with their debt service during this time. If you can pay it, pay it.", "replies": [{"id": "fmj03wh", "text": "I\u2019m also hearing that even though it might not technically count against your score that lenders are going to simply start adding check boxes to applications asking: Have you ever entered into a deferment or forbearance agreement in the past?\n\nThen that will be held against you", "replies": [], "depth": 2}], "depth": 1}]