If they were paying you rent it would stop any adverse possession type claim but a whole other can of worms might be opened up, plus you’d need liability insurance for the playscape.

We aren't planning on moving and could claim adverse possession (PA just changed to 10 years), but from everything I read this sounds like not a viable solution. 

They basically made a commitment to print us out of any adversity.

I am risk adverse, from a monetary perspective, which explains why I am now a Train Operator working for the city lol.I have no large debts looming, the wife and I maybe have $4k combined across a few CC's.  

Payments on a 401k loan taken under the CARES Act must be paid back starting in 2021 over a 5 year term.Here are the details regarding the loans:NEW LOANS:The CARES Act which was enacted to provide relief to individuals impacted by COVID-19 allows for increased 401k loans and more flexibility for repayment of these loans.Specifically, you must be an individual who meets one of the following conditions to demonstrate that you have been impacted by the crisis (and it will be your responsibility to retain documents in your files that demonstrates that you are a qualified individual):Individual who is diagnosed with COVID-19, with a CDC-approved test;Individual whose spouse or dependent is diagnosed with COVID-19, with a CDC-approved test; ORIndividual who experiences adverse financial consequences as a result of being quarantined, furloughed, laid off, having work hours reduced, being unable to work due to lack of child care due to COVID-19, closing or reducing hours of a business owned or operated by the individual due to COVID-19; or other factors as determined by the Treasury Secretary.On or before September 23, 2020, such individuals take a 401k participant loan subject to the following terms:Maximum Amount of the Loan: 100% of their 401k balance not to exceed $100,000.

Money is difficult to raise in an adverse market. 

I would not be adverse to buying a negative cash property if it had a good value add. 

As a risk adverse individual I would say never sacrifice your personal family emergency fund for an investment.

If you are risk adverse real estate, (especially out of state) is not for you.P.S.That guide @Ben Halabi shared with you above is pretty solid.

If you are risk adverse real estate, (especially out of state) is not for you.