This is a lot of disposable capital that people will want to spend.The EU is/will block American tourists due to COVID-19.

Do you wear disposable gloves upon entering each property to avoid accidentally spreading stuff from say one apartment to the next?

We give them a list, in a handbook, of stuff they cannot put down disposal or down toilet and if these things are found, the repair will be their responsibility. 

I am also finding that most prospects have more disposable income (our nicer units are being viewed more than our lower end ones). 

What are some options that you have experienced to cover that high of a down payment in order to qualify for the refi, pay back the initial lender, and still not break all of my savings or disposable capital in the process?

*All staff/contractors that enter a unit, must wear disposable gloves inside the unit and will change gloves between units. 

They are asking for repairs of leaky toilet and garbage disposal.

Do a routine inspection, check the plumbing under the sinks, check the drains for free flow, check for running toilets, check the base of the toilet for leaking flange seal, dripping faucets, change the furnace filter, inspect the attic for potential roof leaks, check the condensate pan under the HVAC, check the pan under the water heater.Common sources of smells are pets (especially cats), kids peeing somewhere other than the toilet, garbage/refuse not being properly disposed of, plumbing issues.

That said, you don’t need to be an expert to calculate rental property cash flow on your own; the process is relatively simple as long as you have the right data at your disposal.

Interesting...As @Oleg Kio mentioned, simultaneously with setting up the costs of the new loan (appraisal+title+points+whatever else) for amortization, you should dispose the old loan costs, assuming they were set up for amortization years back.