Purchase price: $167,000 Cash invested: $20,000 Bought this house subject to the existing mortgage of $150k, paid $18k in walkway money.

Does anyone know if there are existing virtual meet-ups?

Over preparation does exist ... sometimes the best preparation you can do after a while is execute !

Without this the rest of you liability tiers may be voided.2 - Umbrella policy - pretty much another no brainer - its cheap protection. 3 - manage debt loads - if you are comfortable keeping a higher debt limit, it is a strategy to reduce your net worth and make that target smaller. this comes into play when considering tapping equity in existing properties.these 3 should get you started. but its all up to your own risk tolerance.

YOU have the option-it exists everywhere as the lease is between you and them and if they agree that is all you need. 

You should verify that you are eligible to transfer the funds from your existing retirement account (e.g. if the funds are in your current employer 401k, you will likely not be able to transfer until you quit your job).

Existing tenant moved out over the $700 rent which encouraged us to rehab the unit and we are now at $850/m on that unit.

His "lawyer" may not even exist, and he's trying to not honor the contract. 

Ifear though that with covid defaulting is possible although as of late they have been doing well, but the cooler weather is hurting out door dining.

If the equipment is older than 10 years, I would say stop wasting money on repairs and get it replaced (you may be able to reuse the existing outside compressor it uses R410a refrigerant, but if its R22, it junk).The way they left it, it is not operational for either heat or cooling.Personally, I would review what you paid to the original HVAC company and see how they took advantage of you.