Great explanation Bob.  

Debt to income to high... not enough money down... geographically to far away...

My goal is to refinance all three properties under one loan, while using the equity from the combined properties to purchase a fourth multifamily complex at the lake of the ozarks that I have found and meets my financial goals.I am struggling to find a lender that will participate in my plan, (I have spoken with three) most have given some type of reason why they can't participate... 1. geographically the properties are not in their territory or one is and the other isn't (KC is approximately 3.5 hours away from lake of the ozarks)2.

Thanks for the explanation @Eric Schleif. 

Is there a way you can reword your explanation in beginner terms, ha.

@Robert, don't mean to point out the obvious, but if you have an address and/or a name you can get the phone number from the local phone book. www.intelius.com allows you to do reverse searches and I am sure there are many other sites that can provide that info.To all...I have found that most counties have what is called Geographic Information System or (GIS).

No reason or explanation necessary.

They are so geographically different.  

I appreciate your detailed explanations.

For a full explanation to the OP, here is:  If you purchase a property at a foreclosure auction and later find that there is a government lien or lien that survives the foreclosure auction, you will be responsible and indebted.