I won a judgement against the first set of contractors but that’s only the first battle, the second battle is collecting on that judgement.

After you get a judgement, then you can send them to collections.  

Note buyer's step into the role of the bank and collect the borrower’s principal and interest rate payment.

Also, I would recommend looking closely at the credit reports for prospective tenants and seeing what they have in terms of debt, collections, etc.

With my previous Broker, they weren't as generous with this and collected whatever my previously agreed-to split was on a standard transaction i.e., if my split was 70/30, the Brokerage would take 30% of the 3% on my personal transactions just as they would on a non-personal sale. 

Right now there is a lot of uncertainty and expectation that real estate will lose value, rents will go down, vacancy will go up and collections will be poor.

The insurance company said their are currently collecting info and have not decided yet how to proceed.

If they are good, and they protect your asset, collect your rent and manage all of the Maintenance for a reasonable price they are worth it if you have a decent size portfolio. 1-5 units is manageable by an individual.

My credit is at 650, due to an old collection and late student loans (-__-), FHA was perfect for me because of my low credit score. 

Collect your own data, and make your own conclusions.