I just don't know if I will be happy or feel safe living in some of the homes/neighborhoods that I would be able to afford paying cash for.I've heard opinions for everything from 10 year, 15 year, and the 30 year mortgage options.

Someone could purchase at 600k, make a very safe annual 6% ROI (and escalator above that every year) plus have the base property appreciating at the same time for resale later. 

Ultimately he is responsible for his own safety so long as you are providing a safe dwelling; however, if he is endangering others you have a couple remedies as I see it.

See, when you put someones back against the wall with T&M, you're forcing them to be sure they are "safe" in that material order because they know efforts to be accurate leave a good chance of being a bit short on this n that, and either you not reimbursing, or giving em hell on why there is additional "and then" items. 

Conduct regular inspections and communicate clearly about the rules and expectations.Handling this situation firmly but fairly can help maintain the integrity of your rental property and ensure a safe and healthy environment for all tenants.

As a lender, what is a safe amount of money to have saved in market where the average home price is 185K?

If they dont deliver there safe to say it's a bad area.

We practice "safe real estate", so this is all possible but not necessarily what will occur.This is not exhaustive and does not constitute any fiduciary responsibility, it is merely one man's opinion on a public forum.

If they were one of "the good guys" they would not take money from investors when they know they have zero real estate experience, cannot evaluate the risks presented by the investment or flat out say they are looking for a SAFE income producing investment. 

Are there any B and C class safe neighborhoods to recommend?