Maine people Please contact your state Representative and Senator now to express opposition to LD 1255, “An Act To Prohibit Evictions Until 90 Days After the End of the Governor’s Declaration of Emergency.”

If your market is prohibitively expensive, then you will have to look at other markets.

Are there any regulations that would prohibit or limit a refinance based on the current lien holder?

However my location (North NJ/NY) seems to be prohibiting me from making my first move.

It still amounts to self-help eviction measures which all states (to my knowledge) prohibit. 

In NJ effective 2020:  "Governor Murphy's executive order waives provisions of statutory law that prohibit the use of security deposits for rental payments, enabling tenants to instruct landlords to use their security deposits to offset rent or back rent." 

Puerto Rico Condominium Act 129-2020 passed in Aug 2020 prohibited HOA / Condo associations from banning STR unless the master lease/bylaws expressly prohibit STR. 

If you're unfamiliar with the reasoning behind non-recourse loans in this case, it's because of the prohibited transaction rules.

I purchased a small house and dont need a ton done but I'm finding every contractor and even handyman I get to come out are giving g me estimates that are just a joke-even considering the cost increases of materials. ...

I would think having a bookkeeper would be prohibitively expensive unless I'd have say, 50+ doors.