I find it completely unethical, spiteful, and flat out disgusting to use this crisis and rent freeze to their advantage when it's intended for those who have lost their source of income and/or are dealing with life and death with themselves or their loved ones.

Everyone should theoretically be approved so why are people not going to be able to pay mortgage payments unless they just flat out dont apply for unemployment? 

I suppose if you're including utilities in their rent pricing, it makes a bit more sense, but from my experience, it's easier to find a tenant if you have a flat rent rate, then put the cost of the utilities right onto them.

Should I bill the tenants a flat rate per month?

I also have a 2 flat that is under a $100 every month.  

She left multiple flat screen TVs, four laptop computers, all of her clothes, all of her photos, jewelry, and even some brand new rifles!

. :) You make good points about the cost of scaling and business and baking that into the cost of acquisition etc.

I would look into that.....Flat roofs suck IMHO.

Does lender bake in potential commerical income? 

Management fees vary widely depending on the market and can be anywhere from 20-40% (or even as high as 50% but that's less typical)  If somehow here it's a flat fee included in the HOA, well, score!