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?

Just get a second set of sheets for each property so the turnover isn't pending the same sheets going back on the beds.

Bad news you may also have to cover your own commissions. 

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

Getting into the house and house hacking at the very least (when done correctly) puts you in a better position to save more aggressively especially if your entire housing payment is covered.

@Robert Quiroz, I know this is fairly well covered at this point, but I align with Robert...  

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

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.

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

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