This plan covers 24/7/365 troubleshooting services from Lula's experts (such as guidance on resetting a circuit breaker), tenant coordination for scheduling repairs, and access to a network of vetted professionals.Once you're subscribed to Lula, you can set aside a pre-approved amount for repairs, which can be used without needing to contact you as well.

I do not know much about San Antonio market so will cover pros/cons of San DiegoCons- price of entry.  

The projected rental income wouldn't cover the mortgage and HOA at this time.

I have umbrella insurance under my personal names currently so I'm wondering if the umbrella insurance would cover me in the event of some liabilityQuestions:- Am I better off keeping the rentals in my name since I have umbrella insurance?

With the situation you're going through, your first thought was likely "I'll raise the rents to cover this." 

Since you only have 2 full time and two part time staff, who covers their vacations and sick time?   

Take the toilet out without damaging it, put a sanitary cover over waste hole, put toilet on shower floor.

At this point, instead of continuing to pay the interest loan payments on properties that we will never be able to financially finish since the rehab loans will not cover the actual cost of the rehab, I wanted to know the ramifications of returning the properties to the loan servicer, deed in lieu.

Cancer/heart need to fly home.Over the course of this post will cover the following Real Estate angles. 

An owner would be foolish to cover all utilities for an S8 tenant.