The fact that it has harmed (scratched) another tenant may allow you to have it removed. 

Your best bet is to ensure that there are no material modifications that would in any way harm or even moderately delay the ability to rent it out and qualify as a normal SFR (one lease, one family) or sell on the market to an owner-occupant

There are hardship withdrawal provisions and others that can be exercised if you meet the requirements. 3) If you have access to a workplace plan, like a 401k, with a Roth component, you can consider that as well. 4) If you setup your Roth with a Self-Directed IRA custodian, they can allow you to invest in assets like real estate, private lending, private equity and other alternative assets. 

Huge plus side is it’s free so if you hate it no harm no foul.  

This was not disclosed to me before the purchase and now I'm finding myself in a situation that could end in serious financial harm to myself. 

Please add supporting links, documents or links to sources etc to your response if possible.How were you personally harmed?

If what you say is malicious and untrue, with intent to harm, then of course it's a libel.

If all appears to be in order then there might not be any harm staying with HR Block.

You must complete these new agreements with your tenants without revealing your liability or opening the door to harmful legal claims.

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesWe recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.