I will be networking with a few here seeking guidance.

If repaid on time, there is no early distribution penalty or taxes.If the plan is to take retirement funds as a distribution and not pay back, then there's going to be a number of factors that will determine the tax treatment (example: if you're still employed, if it's a 401k with current employer, current financial situation, your age, what the funds are used for, etc...).A financial advisor or tax professional with all your specific details should be able to help provide a plan to reduce your taxes and penalties accordingly.

@Damian Salto great work on seeking advice at such a young age. 

I am eagerly seeking an arrangement that allows me to work and learn from someone who knows the ins and outs of real estate investing.

Give the tenant written notice that you will be filing eviction and seeking a judgement as soon as the law allows.

Also is it worth it to seek civil or criminal charges against them?

The unemployment benefits from CARES is significant as well which should also help renters meet their financial obligations.With all that said, however, I am still concerned post-June/July when the PPP 2.5 months of payroll expenses has been exhausted and there still is no cure/treatment/vaccine. 

We've been in a strong rental market for 10+ years and a lot of the "experts" you seek advice from have just a few rentals and have never dealt with a problem.

If it's accountability you seek, I definitely have some thoughts and suggestions.First, take a look here: https://www.biggerpockets.com/...

@Sam DalIn Pennsylvania, Living Will refers to the document that deals with a document that outlines what kind of medical treatment you will receive if you cannot give consent.