We are dealing with an uncooperative tenant that refuses to move out or pay rent because she is riding on the state-imposed eviction moratorium.

Since Covid, we've seen a small pullback and tightening of buying restrictions from investors?

If it's forced air, maybe need to check the ducting and vents to make sure nothing is restricted.

@Yitzchok CarmenI started using Zillow Rental Manager when most cities around us were on 30 day restrictions due to covid.

I'm curious if many other banks are putting similar restrictions in place, and wondering when they'll lift them- Dave

Most counties will have restrictions on the size of lot required for septic systems, so putting 8 houses on 4 acres may not be feasible. 

Also, the collateral piece will only involve the properties that are used to secure the amount of the loan (i.e. the selling restrictions are not necessarily a blanket on my business as a whole, or across all properties.

Do you have a furnace (with duct work) or do you have a boiler (baseboard or radiators), If you have a Furnace adding AC is rather inexpensive).If you have a boiler (which it sounds like you do since you said wall hung unit) you can look into zoning the system, If its not feasible (which it may not be) you can also look into restricting the flow to some areas to balance the systems better. 

The collateral requirements, use of funds, etc seem to restrictive for the need in my opinion.

The additional real estate activities allowed in Phase 1.5 and Phase 2:-Real estate firms may open their offices in a limited fashion (with additional restrictions for Phase 1.5)-Three persons (as opposed to two persons) are allowed on site for permitted in-person real estate activities for both residential and commercial brokerage (for both improved and unimproved property)As a reminder, all in-person activities must be by appointment only and real estate brokers and industry partners must wear cloth face coverings and should encourage clients and customers to do the same."