Occupancy restrictions imposed by the state of New York and City of Newburgh have forced Anna's Restaurant into a new business model: For now, there is not table service, just delivery and takeout options.

The abrupt change is hurting the owners of this popular lunch spot off Broadway. It is also hurting servers like Rose Andrews.

"We're losing money to survive," Andrews said, leaning against the payment counter in an empty dining area on Tuesday morning.

Andrews' main income source, tips, were gone on day one of the restrictions, which could stay in place for months, depending on how well the spread of the coronavirus (COVID-19) is contained.

When asked what a long-term freeze on her tips would do to her, Andrews said it would "put me in the poor house. Even after a couple weeks, [it would] put me in the poor house. What are we supposed to do? Is there relief out there for us?"

Mayor Torrance Harvey said Tuesday morning that he has been on the phone with members of the area's Washington delegation, trying to help shape federal legislation that is being considered to bring relief to businesses and workers.

Without substantial federal assistance, the city would be in an impossible position, Harvey said.

"We know it's going to have grave effects on our local economy," he replied when asked how a long-term restriction on businesses and services would affect the city, which is already ailing financially.

Harvey said the city's annual sales tax rebate from Orange County could end up being significantly lower this year, because fewer people are shopping due to stay-at-home guidance and workers like Rose Andrews no longer have the same spending power.

Without intervention from the federal government and its wallet, Harvey believes another difficult and painful budget season could be ahead. In November, the city was forced to cut 26 positions from the police and fire departments in order to enter 2020 with a realistic, balanced budget.

"This is what happens when you overestimate revenue and underestimate expenses for years," City Manager Joseph Donat said at the time.

Considering the city was already in a delicate financial position before the coronavirus took hold in America, Mayor Harvey said he pushing hard to "make us whole" in Newburgh.

"Once we go into that fall season and we start going into those budget hearings, it's going to have a trickle-down effect," he said. "It's going to have a very, very significant financial and economical effect on how we budget for the next fiscal year."