Rental properties are investments, that depend a lot on cash flow. Normally that is determined by the percentage of time it is occupied. With the covid 'relief', the tenants stayed but didn't pay. So she could not pay the various mortgages. 

Ultimately had to default on the mortgages, with expected results. 

The tenants of course are sitting pretty, but not so much the landlords. 

N.B. She is in Florida, so the current SF mess does not impact her, but what the fed did certainly was a hit.