During the renovation, we decided to move in due to expecting another child and unexpected health challenges.

If you've made it this far, I sure appreciate your time and mental energy.

A responsible landlord will fix a water leak quickly to protect both their asset and the health of their residents.An air quality test is usually a better indicator of any health risks related to mold. 

Sure, once in a blue moon you get something broken down that fits their coverage (the one I can think of is major expensive appliances), but the combination of $500 premium for one year with the deductible and the mentality of getting out of claims as much as possible is not worth it to me. 

I would not add to my hours and stress by doing something part time where you could lose money, time, health, etc.

Have the same mentality.. 

No real retirement to speak of and health problems.

This is why it costs your health to stress over someone saying they're "not interested".

The biggest mental jump you have to accept is that a Property Manager is going to treat your houses as part of their business, and that's all.

You do not have to do any repairs if rent is unpaid unless its health/safety related.