Then go for it. 1% rule isn't make or break, if you find a SFH in a good neighborhood or school district, fairly recent and the numbers check out, its fine to get into it much lower than that.

All was going fine until the quarantine and our governor stating non-essential construction must stop.   

Looks fine to me. 

One time I had a guy say he had the rent sitting on a chair and since I was coming to the building I said fine Ill come by and grab it.

If you have a solid tax preparer you should be fine.

If a landlord is in a position that they could forego rent for a month or creatively restructure it rather than taking payment from a credit card, then that is fine.

If you pay down your HELOC, you may find later you will not have access to that money2) This is a fine way to buy real estate. 

My market is very different in that you can't find a lot of good deals, but that's fine. 

But like @Jay Hinrichs points out, watch the fine print on these. 

I’m in the middle of a few rehabs and my contractor asked me today if we should continue and risk getting fined.