Without insurance NO BANK will close.

You will, most likely own no taxes. 

I have no idea who I should reach out to for help, and I just do not understand how this person no longer responds to emails or returns phone calls.I hope someone can provide some guidance. 

You're asking the $1,000,000,000,000 question - there's no right answer, but there's only the right answer for *you* because its so subjective. 

Assuming identical properties, a 3/2 in Largo FL 2 miles from beach with no pool or hot tub: $50,000 a year. 

If the answer is yes, then it's a no brainer to make minimum payments on your 2.8% interest rate mortgage, and use the funds that you would have paid extra to pay it down faster, to either invest in more real estate, the market, or anywhere else where you can get a ROI > 2.8%.If the answer is no, then feel free to aggressively pay it down as fast as possible, to become debt-free faster, and just have a large amount of money in savings or to splurge with.The bottom line is that your 2.8% mortgage is GOOD debt.

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.

That $250k sitting in the bank with no chance of vacancy or capex could earn you $11,250/yr at 4.5%. 

They have no 2-factor authentication and don't email you to confirm that you want to update your login, both of which I'd consider industry standard these days.

There's no doubt you'll find success over time!