The selling fees and the fact that the house price in the area has declined during COVID make me uncomfortable to sell right now.

I'd pose the question this way: if your hopefully still living grandmother and her friends would be uncomfortable with it and they were your potential customers, then why do it?  

 We started routine semi and quarterly inspections after a similar situation and it's been a great way to stay on top of things and build a better relationship with tenants.

I routinely runs quotes with most of the markets because there are often large differences between programs rates and which will be most competitive differs from property to property. 

While anything is possible and a carpet cleaning job could potentially take multiple days to complete and involve large fan/towel/dehumidifiers, I would suspect it would be less probable it was just a routine carpet cleaning. 

If you're going the umbrella insurance route, make sure it will cover you for several things including just the routine slip and fall (like mold or earthquake).

That gives you your routine expenses for a long term rental property and assumes a nominal amount of vacancy.

Like anything else in my life, I always had to get really uncomfortable and challenge myself in order to grow.

It would be nice to EVENTUALLY break free from the everyday routine of working for someone else.  

There is no other profession that is permitted to routinely engage in this practice and most professionals feel it should be banned.Same thing with new homes.