Huh? During COVID the US had several eviction moratoriums, which covered non-payment: https://en.wikipedia.org/wiki/COVID-19_eviction_moratoriums_...
Yes, professional tenants were exempt. No, that wasn't much consolation to most renters.
Sure, for the few lucky people in federal housing and the handful of states that implemented their own (the vast majority of which were lifted in less than 6 months). Point is that nearly all homeowners in the US received 18 months of mortgage forebearance immediately.
https://www.consumerfinance.gov/coronavirus/mortgage-forbear...