This is my pre-retirement preparation.

Our existing properties will appreciate significantly, and we have equity in 2 of the 3 properties.

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

I will potentially move into one of the units for some timePurchase Price: $1.98MAssumable Existing Financing: $1.18M @ 3.48% ($5,563/month) Seller Carry: $300k @ 3.5% (5-Year Term)Down Payment: $525k (Buyer to Bring)Buyer pays all closing. 

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

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?

Nationally, the levels of pre-existing home sales are back at 1995 levels mostly because of the interest rate conundrum, so I'm interested to know what's happening in your area that high rates are causing more people to sell?

After all if someone is looking for an STR business and has cash, they will save a lot by buying an existing vacation rental.

With existing tenants, you DO KNOW THEM!

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