So to summarize this whole thing, how can I find out if a property is residential zoned or commercial zoned?

I summarized what you said with "highway robbery". 

To summarize, it seems possible to get a quicker loan through commercial lender rather than the transitional mortgage refi route.

Also for any attorneys out there, are there any good resources summarizing foreclosure process and rules for Bexar county?

@Tom Shallcross summarized it very well. you also want to look at diversification of the employer industry. 

Right now, there is a TON of Multifamily being built all over the metro, and if you aren’t familiar with the area, there are some interesting shifts that are happening just over the past 6 months in single family—I’m not aware if those same changes are translating to multi.From the people that I have talked to, occupancy rates are leveling off and competition is causing some rent compression to happen.I listened to a great episode of BP yesterday—show 301 with Alex Felice on long distance investing—, which summarizes the resounding thought in this forum “you want to convince people that are better than you to deal with you...so they can bring you up”

I summarized the notes from that day here - https://wp.me/p8Uf93-99.

If i has to summarize my book in one sentence it would be “You don’t know what you don’t know”.

I'll summarize...

It can be summarized in two words: Keep Learning.