If I get a call I will not be able to answer it.

So, yes, to someone who is not in your market, your numbers look very doable, and if you do have accurate numbers for repairs and rents, then I would call it an awesome deal.Three more things to think about. 

I really need help with the first step/action to take:Should I stop paying and call on the loans and credit cards first and call to negotiate? 

I hesitate to call the current market a bubble - there's just too much up in the air to really see what's what, and while RE is a big part of the general health and status of the economy, there are a number of other factors that determine what / when / how the correction happens.The bigger they are, the harder they fall, so unless we (collectively as a society) really have our crap together (which we don't), when we eventually do go down I think it's gonna be a doozy. 

And this particular morning he was extremely inebriated and decided to scream at the top of his lungs at 730am, scaring the crap out of my other tenants (I'm told multiple calls went in to police).

But under the new TCJA (Tax Reform) there is opportunity to roll gains from stock into what is called “designated opportunity zones.”

Is anyone familiar with his software program called Buyers On Fire?

In my unprofessional opinion, I would call it a draw.

I plan on cold calling around neighborhoods I want to live in to find a great deal.

Not sure if he'll commute to Yuba City, and you might be better off posting an ad on Craigslist, Facebook marketplace, or calling everyone in the local phonebook.