Because what I mean by those "unexpected repairs" is that I simply set aside a set amount of the gross rental income each month as sort of a safety net aka just incase money for things such as a leaking pipe that I didn't know was going to happen before it happened thus it was "unexpected"So... technically I can't take out that 1% because that's just my own safety net savings I set aside but from that savings if something does happen that year and I have to make a repair that does end up as an "operating expense" since I have now spent that money and not just set it aside like with the unexpected repairs moneyHope this isn't too confusing to understand but now that I am reading over this I think I have answered my own question :D

They don't tell you how exhausting it is.

If I had rented a machine and installed my own boot on this pipe I would probably have done it for less than $2500. 

@Joshua Bailey, there are many valid viewpoints on this and I don't want to try to give any exhaustive opinion.

I'm sure some have timed things well but it's an exhausting exercise.

I want to exhaust all of my options so coming here for ideas?

Then he discovered lots of bursted pipes and water damage.

Ravi,A Personal Umbrella policy gives you an additional limit of Liability if the limit on your homeowners, auto, boat, or rental property (1-4 family) is exhausted in claim. 

I want to exhaust all of my options so coming here for ideas?

Have you exhausted all options locally?