What are typical down payment requirements?

You can househack with FHA or conventional financing - FHA will require 3.5% down and conventional requires 5% down.

1. pass legislation limiting what the "free market" demands2. suffer the consequences of the elimination of the "supply" demanded by consumers in the free market3. suffer the consequences of the "law of unintended consequences"4. blame "capitalism" for failure to provide what was eliminated by previous regulatory action5. pass more legislation to counter balance effects of previous legislation 

I would always specify that is primarily not "solely" based on the property - Credit and liquid reserves are still a significant part of the underwrite Ofcourse credit and technically with commercial DSCR there are no reserves required but yes as minimum as 3 months :) upto 80% cashout with no seasoning too which is wild . 

While this may exempt it from being classified as a rental activity, active participation remains a requirement, necessitating compliance with three tests: spending 500 hours on the property, dedicating at least 100 hours (and more than any other participant), and performing all the necessary work needed.Additionally, long-term viability and consideration of depreciation recapture are important concerns.

I've also had one potential tenant tell me that "an income requirement of 3x the monthly rent basically disqualifies single-income families".

If not, I would still recommend going ahead with a professional cleaning company that has experience with mold remediation (make sure they send before and after pictures as well), if you really wanted you could give a small credit to the tenant to make them happy as well but 100% not required. 

HELOCS do exist for rental properties but you are usually capped at 65-70ltv and these will most likely require a full underwrite that takes into consideration taxes, income, dti and all the normal quasi-associated red tape.

Required agency agreements will be the new norm going forward, not what caused the lawsuits.

You will be required to submit plans and use a Philadelphia-licensed contractor.