I had my insurance agent attempt to contact the underwriter, but so far we had no luck.

The truth is, if the tenants are not making any attempts to pay now (not even making a partial payment), the Landlord will likely not get paid when the moratorium ends.

What I mostly see is people who have dubious claims of knowledge or expertise attempting to use that as a lever towards partnership when they don't have any money.

Also attempting to keep initial up front cash for the deal low. 

My wife and I want to attempt to manage this one by ourselves.

-Has the owner made any attempt to get the squatter to leave if so what has been done?

I’ve been researching & (attempting) to learn about Real Estate investing in my off time over the last 2-3 months.

I have been renting out a single family house since July and the tenants have been low maintenance, but I just did a quick inspection of the property and the garage had lots of incense all around in an attempt to remove a strong smell of cigarettes.Now you might think -- it's the garage, who cares?

"Own" means that your name is already on the title: "Real estate brokerage" means a single instance of offering, attempting to conduct or conducting services on behalf of another for compensation, or with the expectation of receiving compensation, calculated to result in the transfer of an interest in real estate.

From everything I have learned, and attempted you are going to be stuck at 20% or higher.