@Chris Borunda If you are using a reputable agent to represent you, they will help you look for those red flags.

Did you have an agent representing you, or were you doing it on your own?

Yes I sent that letter to a legal representative as well before I certified mailed it.  

The non-paying tenant was what we like to call a "career squatter" who knew the ins and outs of eviction proceedings and had a non-profit representing him. 

On an opportunity cost of 145,000, this represents a 2.1% return on your investment. 

Except that counties don't represent specific properties in that county...and I find useless. 

This is my real estate investing nest egg and represents about a year's worth of savings.

Your employer did want you to focus 100% on the job when on the job.Keep in mind you represent the integrity of your employer even when you are not on the job.

There are so many side hustles that can bring in money.All of these choices are difficult, but they all represent a goal that must be driven by a future vision.Before I married, I had twenty thousand dollars in school debt, twelve thousand in credit card debt and less than ten thousand dollars of income annually.

Get an attorney to represent you.In the meantime, try to make what payments you can.