You have to pay to live somewhere.

And I understand (I think) your making interest only payments until you pay back the loan?

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.

You do have to pay the seller the "equity gap".

Currently we do about 10 wires a month, Chase charges $30/wire unless we keep a lot of money in there, which we have been paying.

You will have to pay all the usual expenses associated with buying a property: transfer taxes, government fees, title company/attorney costs, as well as a "hammer fee" which goes to the auction house.In theory yes, you could win something for a few thousand dollars.

Yes, you can go visit Class C & D tenants at their homes to convince them to sign up for auto-pay, but:1) Once you leave they will revert2) Their biggest problem is NSFs! 

my wife and she has one clearer who she pays. she makes around $100K a year on it . 

Also, contacting neighbors is not standard practive for PMCs, so how much extra are you willing to pay your PMC to do this?

We pay $55 per month for Wife and each cam was $220x4-There is also cloud recording(up to 10 cams) for $9 per month.