It is better to focus on your subject property and figure out what sort of rent bumps you can bring to the property, and let loss to lease be a fall-out of that.  

The tenants seem to like it, and it allows for bank account and credit card payments.Then I use Quickbooks online to sort every house out individually and give me my profit / loss for each house broken out individually.

But, then the "little fix" ultimately becomes a bigger fix.Also, I learned sort of the hardway when I let tenants do their own work. 

With supply chains being cut left and right all over the world, escalating quarantines, reasonably intelligent tradesmen who have better things to do than run out to job sites all day and expose themselves to infection or any sort of injury that involves going to the disease-ridden hospitals.But you honestly think that in this deal, you should worry more about housing value changes, bank rates, and what your hypothetical new tenants will be able to afford.It boggles the mind.

A depression is just people on the internet fear mongering or without a lack of an understanding of history.Every decade or so we have some sort of crisis.

Question 1: What sort of terms do you require in this situation? 

If you can't refinance it, got to your lender now and get a 13-month term... as long as you possibly can so you have time to sort things out and find different exit strategies. 

@Jarrod Pettit most investors are sitting on the sideline for the short term (1-3 months) while this gets sorted out.

So that alone literally killed any sort of cashflow this property would generate; infact it put it in the negative.

It could be worth researching if there are any new, or alternative options for your financing because of the coronavirus because you may be able to qualify for a "relief" loan of sorts that could have better terms than what you're in right now.