Because the Indiana property is my first investment property and is not in a LLC, I was advised to get an umbrella policy.

If anyone has good attorney contacts in TX please advise and forward, thank you! 

I guess I am posting this because I want to, 1 warn people about this dirty scam. and 2 I will take any kind of advise to help me with this debt...

Readers are advised to seek professional advice

Normally, they negotiate with the company and advise you on the loss. 

After reaching out to two separate CPA's they advised me they do not answer 1031 questions and the intermediary should confirm the correct deadline date.Can anyone confirm whether the qualified intermediary should provide the confirmation of the date pursuant to the IRS notice or provide a CPA who does phone or zoom consultations and works with 1031's/IRS Notices?

Readers are advised to seek professional advice.

Start with your primary, rent out any spare bedrooms "house hack"Use that to practice upgrades, kitchen, bathroom, curb appeal... etcNow you have experience as a landlord and flipper, use that to buy a distressed propertyAdd 40% equity to the property through home makeover, refinance into a low cost mortgageNow you are cashflowing a healthy margin on a second property, use that to build equity over time, cashout later and buy your duplex/quad.If it's going to take you 10 years to save up a down payment for a small apartment building, yeah it makes more sense to start growing your portfolio with cheap SFR flips instead.Every market is different, every borrower is different, every property is different, it would be ill-advised to recommend anything without recognizing the individual's nuanced goals and objectives with their next acquisition.

First and foremost, buying more than one property at tax auction is advisable to help you unload those that may have liability issues. 

I will take you advise and attend as many meetups as possible.