(The ones I’ve used outside of IL normally have a checkbox for MTM vs Yearly).

COVID isn't going to last forever - so with that in mind, start making the moves/adjustments you need to get yourself over 700 so that when the world normalizes again, you'll be ready or at least much closer to ready.

How would keeping my normal job affect my taxes?

I normally get 1/10 of 1 percent of anything budgeted with my rentals.

Finding a few new buyers with the properties we have found, it's just taking a little bit longer than normal for us.

Short term rentals have been shut down for the last month during what would normally be a prime season and this situation was completely unforeseeable a couple month ago... 

@Eduardo CamposAs others have mentioned, the "first time homebuyers" program is normally intended for houses that will be owner-occupied.

For manufactured homes on their own land, be aware that a manufactured home that's been moved more than once, even in good shape, can be harder or near impossible for a normal buyer to finance...so in the case where you're putting each on it's own piece of land, you may want to/have to owner finance.It doesn't sound like you're very experienced with the permitting/utilities/etc portion of things,  each piece of land will have it's own unique set of development costs & challenges.

It is not dependent on what costs have gone down, because we have in mind normal conditions and not abnormal conditions.

By the way, you can do all of this and still have a normal life despite what people say.