If you and your fiancé are doing all the labor and have some skin in the game you should be 50/50

Businesses will go under.This will dry up new lending removing liquidity from the sytem.

Yes your giving up skin on the properties but that is better than losing them.

COVID money is drying up so her opportunity to live free is gone.

Demand might dry up a little, but it will not completely evaporate.

However, as far as how much the lender will give you (especially when refinancing within a short period of time from when you purchased the property), will have a lot to do with your total cost basis in the property, as lenders tend to want the borrower to have skin in the game.Like everything in life, exceptions are always made.

I need the get the exterior repair done first to get the building dry again and then I will be gutting the interior. 

This will offer greater significance as debt sources dry up.

Just like in the mortgage business, try to get as much skin in the game as possible (those who put down more are theoretically less apt to default).  

If it is going south and money is drying up come up with a plan on what you would do with the 200-300 acres and how it would generate money for the family.