I feel the same, but am always concerned that there is some loop hole I'm missing.

I need to figure out a way to go after the cosigner who has the money to pay.This has been covered already.Hire an attorney, join the ex-spouse as a party to the suit, add claims that will result in a monetary award. 

I personally won't invest in IL because we're going to get taxed out the 'whazzoo' to get out of this hole the state Gov't dug for us.   

Be cognizant of the fact that the city is a crap hole though and while you may have ok tenants, you also run the risk of having bad tenants. 

Typically, borrowers must provide title insurance policies to protect the lenders' monetary interests.

And, I have more concerns about monetary funds than RE.

Whomever pays 200-225 to complete that form is the dumbest a-hole on earth.

I'm currently working myself out of a hole after being unemployed for 6 months.

Also, I don't know what wall damages could refer to as I didn't hang anything on the walls so there were no holes, scratches... 

I found a circular cutter at Hobby Lobby and I'd punch a hole.