Using Classic Outlook on Windows for personal email, calendar, and contact management
I'll just chime in here again with a few general pointers. I'm on the road most days, so I can't respond in a very timely manner most of the time, and Ron is giving good guidance.
SPF - OR ~
My apologies if this was covered, when adding a hyphen or a tilde at the end of the SPF record, tells email servers what to do when they receive email from your domain from a source not specified in the SPF. A hyphen will cause the receiving email server to reject it altogether. A tilde will cause the message to get marked as spam and usually goes into their spam filter / folder / junk email / etc. Since your regular emails you send should all come from a host that IS specified in the SPF, it really doesn't matter what you select. I use the tilde option myself, and that should work well for most.
DMARC / DKIM
Having an incorrect DMARC or DKIM record is worse than not having one at all. Yes, you should have all 3, and for people in IT, that makes sense. But if you are feeling overwhelmed and/or having a difficult time, that is when I will have people just delete the DMARC and DKIM and focus on making sure the SPF record is correct. If you do that, make sure DKIM is turned off for the onmicrosoft.com domain in the M365 Security Admin Center - Under "Email & Collaboration", click on "Policies and rules", Threat Policies, Email authentication settings, DKIM tab, make sure it is off for each domain. With those steps, and a valid SPF record, email flow will be back to normal.
CAUTION
And as Ron has cautioned, be careful who you trust to help you with this. Your IT person, Website Host, Domain Registrar, are on the short list of people who might be able to assist. If you find that you don't have access to your own domain and your own domain's DNS records, that is something you might want to address as you should always have control over your own domain. When I take on a new client, if we don't have control over their domain, I typically will set them up with a GoDaddy (or other well known registrar) account and guide them through the process of transferring their domain into their own account so they have full control. Not something you want to tackle right now while you are having issues, but something to consider for the future.
I'm subscribed to this topic and I'll chime in if I see that an issue hasn't been answered.
-Brad