In either case, that person can not subsequently claim their property has been stolen, when another person comes along and picks it up. 

Any and all tips are widely appreciated. i have a high credit score and no student loans/little to no credit card debt.

If you had credit card debt, I would tell you to put EVERYTHING toward that before you put one cent into REI.

My closing costs are roughly 3.5K (2,000 title, 450 documentation, 600 appraisal, and 400 prepaid interest) Since my LTV is at 75%, I always waive escrow, that way I can pay all my insurance with a business credit card to get points and the free APR for a year.

at the same time they should limit credit card debt !!! 

Your typical 85% LTV Cash Out FHA refi is/was the habitual debt addicts, the folks who rack up $30k in credit card debt, and every few years consolidate it into an FHA cash out refi, a lifestyle choice predicated on assumptions about real estate appreciation continuing forever.

The properties were in nice neighborhoods and before I closes escrow on 3 properties the air conditioners compressors were stolen and probably sold for the copper and aluminum inside them.

.-- Do open houses to increase your sphere, and bring leave behinds that ANYONE will want to take with them, branded with your card/info, etc.

Personal loan, credit card advance, car title loan, 

I have decent credit but have a couple of maxed out cards and a new personal installment loan (3 months new).