I know there would be HOA dues with these properties, but aside from those, does anyone have any experience/opinions as to their pros or cons versus a stand-alone fourplex unit?

A safer bet is 75% as debt.

However, considering the scope of the steps that have been taken so quickly and so far, I'll bet a donut that our president will negotiate something with mortgage lenders. 

Your best bet is to just talk to both as quickly as possible and let them know the situation.If you have signed a lease, technically you are liable for the terms of that lease, even if you only paid a reservation deposit. 

I have looked into "corporate" umbrella policies, but those have tended to be overly expensive in my findings.One thing you can do is require all of your tenants to purchase their own renters policy, and that will help cover most common things.And jumping ahead to an LLC, buying the property personally is going to be your best bet, since you are living there. 

As has been mentioned though, this is the case for owning A and B properties versus C and D. 

I think it is the same in real estate-  you are basically hedging your bets during a down turn by buying low.

Also, NPN are a riskier bet than just three months (or weeks) ago.

I would take the house to a "flip" level, at least for things that would have to be redone if done as a rental now and flip later, and maybe bring in a month to month tenant versus long term, and hopefully as things start to recover in a few months (please, please, please) you will be able to get tenant back out, touch up a few things and get it on the market fast.

I see the rates but it seems hard to see investment numbers versus numbers if you occupied.