I understand a small drip or two would be normal wear and tear, but a stain this large seems excessive?

.- Interest Rate Management: Buying time until interest rates normalize or decline.

My original thought was to basically just triple what the normal vacancy rates were in the area, but I know that would not be super accurate.

It depends on the area and the inspector but they normally schedule about a week out in Philadelphia. 

  #2 normally it is a cash business. 

It'll be done with little attention to detail and take longer for the report.For 5+ units, it's normal for the price to jump, because it's technically and legally a different kind of property.

You charge tenant for rent as normal through the release process, and once you find a new tenant you can prorate the number of days vacant to make sure tenant and you are both whole.

I am a newbie and I can't help but wonder if there are many people like you who wake up one day and think "What have I done?

The lawyers will normally decide to offer only no PPP options as not to possibly conflict with the law, so the lender is mitigating possible risks in not being compliant. 

We manage several hundred tenants and know how to handle this and we know the laws in our state.Giving cash for keys definitely does not feel good but a protracted eviction in our tenant friendly state of 3 to 4 months, which is the normal plus attorney fees will easily exceed $10,000 depending on the monthly rental cost.