You are definitely going to want to get a lawyer and as soon as possible.This will sound harsh.In your story, you have made a number of very poor decisions about how you purchased and managed this property. 

and am eager to connect with experienced investors to gain practical insights.What I’m Looking For:Advice on identifying cash-flowing properties and understanding market trends in Lynchburg or similar areas.Recommendations for a local real estate agent or property manager with experience working with investors.Insights on how to balance active and passive investing as I grow my portfolio.I’m grateful to be part of such an inspiring and knowledgeable community.

How long does it take you to manage a maintenance request from your tenant?

In the 65 units we manage we have both. 

As an invetsment-friendly agent (based out of Houston, TX), I’ve seen how the right professional will help you analyze cash flow, manage comforatble contractor bids, and even drive for dollars if you want a broader look at potential comps or deals in the neighborhood.

My goal is to make this property available to insurance companies, disaster recovery specialists, and individuals displaced by fire, flood, or other catastrophic events.I am seeking guidance on the most effective approach to market this property, specifically:Recommended Insurance and Disaster Recovery ContactsAre there specialized companies that manage temporary housing for insurance claims?

I used Hostify and you can work it into the management system to figure and charge all of that for you.  

Their insurance has asked me to return the month's payment for the remaining days of their rental (Unfortunately, I did not have a cancellation agreement).I am unsure how to handle this situation, especially since I couldn't fill the majority of the rental dates and had to offer discounts for the days I did manage to book.

STR Property management is common and I know a lot of folks doing this.  

I'd recommend working with a good strong property manager that lives in that area that can check on them.