If the deal presents itself and the numbers make sense, I will go larger.  

At a larger scale, development companies will begin to curtail their spending of $ millions on projects because the demand for purchasing homes has dropped and the median home price for selling the homes are not as lucrative as before. 

Since it sounds like you already have duct work in place for both apartments, you can likely just have the existing system support the larger of the two apartments  and purchase another HVAC unit for the other apartment.  

@Kevin Paglia I agree with @Erik Whiting if you are talking about larger scale assets. 

The offer Energy-Efficiency Programs To Make Equipment Upgrading and I was wondering if anybody knows of any that work for the Indianapolis area.

One of the properties is a small unstabilized 6 unit (2brs) property, and the other is a larger 30+ unit property.

@Jacob Sampson agreed that normally payroll is much larger. 

Here is my main issue with this - I have carry and holding costs - does it make sense that everyone else gets their full amount, attorney fees / realtor fees - but I have to take a larger loss because of corona?

If you need a larger disaster loan, then you can complete SBA Form 5C and submit that to the SBA.

However, I included this in the expenses to receive an accurate view for the day I intend to concentrate on investing and allow a team to manage when the portfolio becomes larger.