Thanks for all of the replies.
I've only recently wanted to change tense due to reading how unpopular first person, present actually is. But at the same time, my reasoning for choosing this narrative makes sense to me, and I've been complimented on being able to get the character's feeling across.
I'm not an experienced writer, but I like having a few chapters in one character's head, then other chapters being in another's head. Since I have only three POV's the entire time, it wasn't too difficult to differentiate. Hopefully when I can post an excerpt in the proper thread, you will see what I'm talking about.
James is the MC when I start off, he's just a typical dude experiencing things as they happen.
Frank is a police officer, so his mindset is different than just a typical citizen experiencing a catastrophe.
Ed is a Vietnam vet, now homeless man who is using the current situation to his benefit, rounding up his homeless buddies and doing whatever they want. He's the main antagonist but I want a POV from him because he interacts with James and Frank individually.
I'm ditching the idea of swapping narrative and tense; I did the first few pages and the task is daunting. If people don't like the way it's written, that's on them, the story is still solid and there is enough conflict to make the read interesting.