He told us that he went down to the office to speak with the manager on two occasions, one which he happened to not be there and the other, the manager was on vacation.

Right now the total Rents are $2700 ($900 month for one 2/1, and $800 for the other 2/1,  $500 for each efficiency)The 1 efficiency tenant has been notified to vacate so I can take that unit for the 1 year owner occupant requirement from the lender . 

What do you carry for insurance on Vacation Rental properties?

Brazil is a great place for vacation though! 

She even went so far as to make up a fraudulent document from the Arizona Disability Act which she sent to me.I checked what the actual law was and found out that a landlord cannot forbid a disabled tenant from modifying the property as long as they return it to its former state when they vacate.

And because it is the 25th it probably doesn't much matter as the next lease period of a month is within 7 days - so just post a 30 notice to vacate or November 1st and all problems are with any dates are solved - assuming you actually want them out.

I also have a vacation home in Big Bear that I purchased before thinking about investing in multifamily units.

Search the threads about vacation rentals. 

The area isn't one of those areas that people would want to vacation to and I personally am not able to handle something so management intensive. 

We also own 3 overnight vacation rental cabins in Gatlinburg of which 2 are free and clear.