Quote from @Tyler Tomas: Keep in mind your equity is not a savings account from which you can withdraw for free.

.#1) If I have capital gains from stock dividends and interest income (high yield saving accounts, etc) are those offset by my PALs.

Net income would be the Host Payout of $541.26.But your true net is what's left over after deducting all expenses not accounted for in this calculation, such as utilities, internet, consumables, etc.

Quote from @Alonzo Moreland:  Everyone is stating it, but the lease should be ended as fast as you can, and make sure that you hold them accountable for the water/payments.

(however it may not show up on Street Easy directly - for which you would have to have your own StreetEasy account). 

Seems odd that only your account would be hacked and not more clients of Hemlane...

My situation: I graduated college in May 2024 and started a FT position at a public accounting firm in September.

Any reputable contractor has material accounts everywhere and doesn't expect to be paid for labor S/he hasn't yet performed. 

I paid her $15K via credit card to her paypal account and another $15K by wire money from my bank.

Hire an accountant who specializes in real estate taxation to handle your taxes.