Do what you can immediately and start the process to avoid losing more money.

If you own a house and they move out you lose 100% of your income if you own a four plex you only lose 25%. 

I talked to the lender that I'm doing refi now and they said I can only choose one: the line of credit or the refi.I don't really want to lose that 2.6% but still want to do the refi as the rate is low as well. 

I wanna protect myself from liability because all properties will be bough cash so I don’t want to lose any of them.But my question is what LLC structure should I use?

So what if we lose thousands in damages and lost rental income?

In other words, more people will be motivated by the prospect of losing a dollar they already have than will be to gain a dollar they don't yet have but have equal odds of achieving.

At least short term capital gains are taxed at your marginal rate so you aren't "losing" anything there. 

One problem I do know of that is becoming a cancer is people not wanting to go back to work due to them receiving unemployment; and with the schools shut down, kids are home all day and need a care taker, so most parents are choosing to not accept new work, which is illegal actually, and if reported they could lose their unemployment.

Not being evicted bc of losing job as  a result of covid, is different than refusing to comply with new month to month lease parameters 

but I did get a tenant for my current vacant unit losing only a 1/2 month, so I should count myself lucky.