Maybe they thought if there is a crisis they want to keep their assets and not decrease current loan quality.As things improve you'll probably see them come back.I had heard very early on from one friend at Wells Fargo, that they had stopped doing them.Also many of the "special" programs have stopped...like Dr.

Would you try and split the improvement cost with the tenants? 

It was a value-add opportunity, with a plan to do some interior rehabs, raise rents, lower expenses, and improve management, but now we are not so sure about those opportunities...at least in the short term. 

Buy a property based on the existing cash flow, and make a bigger profit if you improve the cash flow.

If your guys handyman doesn't have a home improvement contractors license he's breaking the law.

My goal is to 10x the number of units with the capital from the sale and greatly improve my cash flow.

My goal is to 10x the number of units with the capital from the sale and greatly improve my cash flow.

the cash flow does not improve after the value add and refinance.  

After entering into the seller financing deal, can I use the equity in the property to take out a heloc or home equity loan to cover the repairs and improvements beyond our finances?

A good first step is to make a budget and prioritize what you would like to improve.