We provide suggestions, some very simple like regular content modifications, but are regularly told they are stretched and cannot do everything that self managers can do.  

We are planning to make a few modifications to the SFR and refinancing in a year or two.

Sorry to see your troubles @Patrick Desjardins I compose all of our forbearance/modification to maintain independence from relying on my servicer to generate them.

Economic aspects are scarcity, modification or improvements, permanence of investment or fixity and area preference or "situs" which may include intrinsic values or satisfies other needs.Real estate is unique, drop back to your Economics 101 class, "factors of production" in economics are land, labor, capital and entrepreneurship. land is the only factor that can not be replaced as a factor or requirement to produce goods or services, all other factors may be substituted, if you have less capital, more labor may be used to obtain the desired outcome. 

My tenants are now 3 months behind in rent and I have e-mailed possible solutions/modifications for rent payment anddd still nothing. 

There are two sets of guidance HUD issues 2013 and 2020, you should read them both.Here is the only link that I can get to attach:Joint Statement on Reasonable Modifications - March 5, 2008 (hud.gov) 

I am not sure what could crop up at that close of quarters, but if you have written policies (lease or house rules) you could explain that your lender (or insurance or partner) expects you to follow the no modifications to unit, no pets, no smoking, no guests over 48 hours without approval, one vehicle, written policy.

@Jay Hinrichs yea we are making modifications to the floor plan so they have closets 

This can range from minor modifications to more extensive build-outs, depending on the nature of the tenant's business and the agreement with the landlord.

There is a possibility that you could negotiate more money for more equipment modifications but it is very dependent on how your lease is written.Have you thought about selling the lease and keeping the underlying property/building.