We basically break even every year.

If there is a sag or issues noted, when they put in the support or if they have to jack part of the house up to even it out, the floors will buckle of break on the first floor.

You will either break that lease, making it hard to move forward in real estate or you will have to suck it up.Worst case is you have to declare bankruptcy if you take on too much.

Break things?

He wants to break the lease for "Covid 19 force majeure"

Or would returning the withdrawn funds plus the money I intended for 2020 break the contribution limit? 

I don’t believe you need to give breaks on rent or not uphold your lease to be a great landlord.

Property management is a business to build that needs a large scale properties in order to brek even, and after that, start collecting the revenue.In your case, seems you are almost in break even point:  lets see:1) you have now a hand man that will cover the repair cost in many of the units2) you have a group that could collect application fees3) the same group would potentially reduce brokerage cost (depending on the state of the properties) advertising themselves4) You can expand this business and make it profitable...  

Rents don't break $1000/month unless it's a 3/2 with  +/- 1500+sf .  

I took out hard money for both of them and don't want to get stuck paying my high interest rates for however long this "break" in the market takes.Any advice on how/if I can get a loan (SBA or another) for a lower interest rate in order to pay back my lenders?