So John, I add my profit, taxes, proposed costs to close, etc. to the monthly payment.

When I got the proposal the other day it was $2250.  

I did confirm to him after the move-out walk-through everything was good and I am accepting his proposal of using the security deposit as a lease breakage fee.Please share if you have any suggestions on handling this.

You may be right, I think I will just push the details over to a different lender and ask him to build a proposal.

That’s one of the jobs of the HUD approved 203k Consultant. if you have a contractor do this job, s/he will most likely miss FHA required items and therefore give you an inaccurate price for the proposed project.First, get a HUD approved 203k Consultant who will inspect the property for FHA required items and after taking into account the additional items you want done, you will get a report with pricing. 

@Steve HiltabiddleYou may not do as you propose. 

Now we have some initial proposals for opening the country back up.

The other issue with your proposed swap is transfer taxes. 

Is it possible or inappropriate to bring this up to my agent and ask to reach out to the seller and explain the situation and propose a lower offer that I'd feel more comfortable offering if I went through with the deal and ended up losing my job and had to float the mortgage with savings?

The following link from Business Insider discusses proposed relief that AirBNB has asked Congress to implement in light of policy changes they have made impacting property owners revenue. https://www.businessinsider.com/airbnb-asking-congress-give-tax-relief-and-loans-to-hosts-2020-3?