In Florida, our Governor allowed local (in county) stays, and stays for first responders, military and medical. 

They keep their license active, reduce their fees, and earn referral fees. 

Would I be able to collect a reduced commission when my only role in a transaction is lead generation?

The payment on the HELOC reduces the cash on cash returns but the way I look at it is some money is better than no money. 

I would have to sell one of my two properties to reduce my living expenses and that is not what I wanted to do today.

The home should be listed for fair market value and will more than likely sell fair market value, all things being equal.If you can't convince the bank to reduce their recovery by reducing their net proceeds so you can make a profit, i'd move on to the next deal.

Lenders/Mortgagors what do you do with your leads that have 50k in cash, but are self-employed or have medical bills?

I forgot the mention the tenant exhibits extreme mood swings and admits to drinking while on medication. 

No good reason to reduce your cash position and pay higher rates at this point.

What expenses can you reduce usually?