As far as tenants, while we self-manage, we had our realtor find us tenants, and we'd pay her half or all of a months rent.

If you have a considerable amount of equity, you might want to consider a HELOC vs. a refi since you already have a great rate.I prefer to buy the property with cash, fix it up and then refi at that point to pull out most or all of my initial capital so I have next to nothing invested in the property.As mentioned above, a good PM is mandatory.  

Will the lender cover some or all of the rehab costs?

So everyone is living in 120 year old houses that have been split into 3-6 small apartments...the upper floors often have weird low ceiling angles in some or all rooms...like  over the sink or a bedroom window because they squeeze out just a little more space.  

Payments that you make normally fall into one of 3 buckets100% of the payment can be factored in somewhere on the returnPartial payment can be factored somewhere on the return0% of the payment can be factored in somewhere on the returnHouse-hacking also has considerable tax implications in the event that you want to sell this property.You can potentially defer a portion or all of the gain on the investment property with 1031 exclusion.You can potentially exclude a portion or all of the gain on the personal residence with section 121 exclusion

This can also vary based on who takes on the loan (myself or all of us). 

Travis White and David Olson great job on the strategy of consistently and frequently analyzing deals, this is something that I am sure most or all of us RE investors should be doing on a consistent basis...it’s a great way to become more adept at running the numbers and getting to know the market so that you are able to spot a good deal when one surfaces.

Some DPA programs require you live in the home for a certain period of time before you sell or refinance without having to pay them back.For example you may have to live in the home for 1-2 years before you could sell or take out cash through a refinance without having to pay back a portion or all of the funds used for the DPA.  

That said, I assume all this was done orally and you have no written record of this conversation.

One or all of these things will happen, and then COVID will recede into our collective memories.If you're focused on near-term questions, my top question is whether we'll have a recession or a depression.