My understanding is that you can currently have 10 residential finance loans (Fannie/Freddie/conventional) prior to having to go over to the commercial side. 

Since they moved out prior to the state of emergency being called I would treat them like everyone else. 

Code violations must be addressed and cured prior to closing in order to clear tile and be able to fund.

No prior deals.

Prior to getting PV panels, my electric bill was consistently $180-220 a month (5 years ago).

The lender is only supposed to approve use of the CR funds for health/safety items that were unknown prior to the start of the project. 

Wholesaling was already extremely compatible prior to covid.

So following my instructions above will help guide you on that legal path.

{I am using H&R Block Premium desktop version} I mean, I do have carryover losses and carryover AMT from prior years, but how can increased rental EXPENSES worsen tax benefits?

My tenants will pay cash as well sometimes and you can record the cash payment through Cozy for tracking purposes as well; they'll get push notifications a few days prior to rent being due.