I have an application from a potential tenant who had surgery and is on workers compensation for the next 8 weeks. 

Landlords can still terminate a rental agreement if the renter otherwise violates the agreement or does something illegal on the property.Moreover, HB 4401 includes funding for landlords from Oregon Housing and Community Services in order to help pay back up to 80 percent of owed rental income.

I wouldn't call it gray just because that indicates a spectrum between legal and illegal.

sure, illegal garden apartment?

Find a new lender, that counts as a multifamily property to most lenders unless it is an illegally built second unit or something like that.

In Washington state like many other states we are going back to phase 1 which is pretty much a lockdown other than essential workers.

In my experience, they won't do anything unless you push it or it's a major concern (illegal activity in the house or eviction for non-payment, for example). 

It feels crappy to have to go to the guy who illegally wrecked our access and ask him if I can now pay him to access our land through his property.I appreciate the insights!

That’s been illegal for years, the only source for that is someone’s credit report.

Holiday markets, construction workers needing somewhere to stay, (we have a lot of this since there are always new developments popping up here, workers working on the dams nearby, etc.)