Accounting for some unexpected expenses, we could probably pay off our debt in 3 years that way.  

IE you cant build a home for as cheap as you can buy existing there fore land is negative value.. you see that in lower end areas .in higher end areas were you can sell new construction for 500k and up its quite often tear downs work.but you still have to get it over to the land owner that their 100k lot with a tear down house you can only pay 65 to 80k for it because depending on age it will be 20 to 35k to tear it down and haul it to the dump.. better to have a fire accidently.. ::))  not advocating that at all but.. you have to deal with Asbestos's and lead paint in these day and age and that can cost an arm and a leg..

There can be a lot of unexpected nuances to the process. 

This could include a timeline for the ceiling repairs and a payment plan for the rent owed.Legal Consultation: If you cannot reach an amicable solution, consider consulting with a property lawyer or a local landlord association for advice on the next steps, which might include official notices or mediation.Act Proactively in the Future: To prevent similar situations, consider setting up a maintenance reserve for unexpected repairs and clearly communicate maintenance priorities and timelines to tenants.Remember, maintaining a positive relationship with your tenant can often be more beneficial in the long run than strict enforcement of rules.

My insurance company hit me with a whopper and i wanted to see if this was standard across the board or atleast california. perhaps there may be a work around the issue. my agent has told me that if i LLC'd my properties that the rates would double seeing as how if properties are owned by LLC's that i would have to go under a commercial policy. im thinking it would not be worth doing now. im just not feeling the double your yearly policy premiums. this has made me wonder if there were a worse case scenario what would the typical payout be but that would have too many variables to answer. ie how much i own, severity of accident... what are the typical payouts you all have seen or rather a prosecution be awarded?

Inflation, rising taxes, health events, accidents will all adversely impact how well I can retire if I'm trying to scrimp on $25k/yr.  

Puppies have accidents often, older dogs too.

and was there any unexpected issue?

I would only recommend you do the same too because no matter what a sticky situation can come from the most unexpected moments. 

Also when you say "financial vacancy " do you mean actual vacancy that occurs when you don't have rental income from a tenent occupying the rental or are you saying it includes the planning for unexpected vacancy, the 5% taken out of rental income for the rainy day scenario?