The property will be paid with by residential lending products and personal money, but how is the business part of this plan be established (i.e., creating a legal contract for rent/finding tenants)? 

Baltimore has had a declining population for 70 years and that will only continue in the future.

Commercial loan products that just underwrite the property and not the borrower.

Either way, you need to find a commercial lender offering you a product that suits your requirements. 

It refinances that VA loan into another loan product therefore restoring your entitlement.

Great tenants are easy to find if you are providing a quality product in an area that people want to be. 

I was going to suggest asking the sellers to finance 20k but then I saw it’s a foreclosure (which is insane in this seller’s environment, is it a declining market?)

Covid hit so my job went to 2 days a week so I couldnt justify hiring someone to do the total rehab so I did everything but the granite and tile bathrooms myself from the drywall to finished product!   

There are products that allow it though. 

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