As we all know, the standard way BP says to calculate cash flow actually leads investors away form long-term opportunity and leaves a lot of investors on the sidelines because they don't understand IRR and the multi layered dynamics of investing long-term.  

I narrowed it down to paying off a few of my rental properties, though I need to see how that will affect my possible tax deductions.

Quote from @Vince Scipione: Standard would be an FHA loan for your situation more than likely.

It depends on who you're hiring but that seems fairly standard.  

Bigger Pockets is a great place to find a real estate tax accountant.A good real estate accountant can save you thousands of dollars by leveraging entity selection and formation, tax deductions, cost segregations, bonus depreciation and tax planning.I recommend finding an accountant who specializes in real estate taxation, business taxation, financial planning and tax planning.You may want to consider working with your accountant remotely to expand your options.I would also recommend looking for a accountant willing to work with you throughout the year.

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is expected to be higher, you may consider an umbrella insurance policy.

I alwasy respond yes and ask my standard follow up questions and never once have they responded back to schedule a showing. 

We generally advise our clients to go ahead and pay the recapture rates if death is the alternative.The good news about recapture - the deductions are a deferred tax liability to you, and an interest free loan from the government.

as a "donation" (translating to the benefit of taking a deduction for 2025).

Do not continue on your own.For your next tenant, be sure you have strict screening requirements and do not waiver from those standards.