And with the economy shut down, it seems to me that would affect many of the businesses that were doing well (restaurants, event/activity spaces, office, hotels).

Your house hacking situation can help you to quickly build a reserve of cash in the event that something bad happens.

Like each person has their own name/account so you can track individual distributions as opposed to collective distributions? 

I keep a lot of the documents for my rentals on there and the documents are available on any computer/mobile device I sign in on (which is nice in the event I'm away from the house and need to look something up). 

Read CAA's letter opposing AB 828 here.This bill denies equal justice to housing providers by:Forcing landlords to reduce rents by 25% even if a tenant cannot demonstrate a hardship or need.Allowing judges and the court system to set rents and change the rental agreements already in place.Assuming every tenant is facing a hardship related to COVID-19 and must be compensated for this hardship.Protecting nuisance tenants as it does not require tenants to answer an unlawful detainer complaintMandating that rental property owners demonstrate an economic hardship to collect the contracted rent.AB 828 is an unfair attempt to allow the government and the courts to give reduced rent to all tenants even if they have face no economic hardship, and it provides safeguards for landlords.Contact your state legislator and ask him or her to VOTE NO on AB 828.

A strong local owner association opposes any up zoning which requires a community board meeting, zoning board meeting, variance approvals.

That doesn't sound right.In any event, what about applying for a variance?

All that being said, I was reading Publication 523, specifically the unforeseeable events section. 

In the event the initial contractor hasn't been paid in full perhaps they can recommend a different contractor as well. 

Many of the board members on these HOA's are owners not investors and have privately been opposed to those of us who rent out our units.