I have not a burned house, no insurance, nobody wants to tell me anything, still under investigation, and the ENO insurance company hasn't called me back in to weeks.  

Quote from @Cassidy Burns: The very important question, is the property a property that you want to own for the foreseeable future? 

The tenant's not going to put door putty and paint on and end up in a coma or burn the house down.Let them do what they are going to do.

They get no sympathy from me if they crash and burn.  

A SFH will be bad if it's vacant which means no money coming in and you have to burn money just keep keep the property. 

If you are burning money each month then the question is really how bad is it for you.

What is the monthly cash burn, including reserves to purchase replacement rate caps?

I'd have went with all stainless/chrome/brushed nickel OR oil rubbed bronze is what I have been using lately.

but you become aware of it when you as the buyer get burned and if your going to have a title claim many times . 

Dave Ramsey might feel the way he does about debt because he got burned and declared bankruptcy (a publicized fact), and you are influenced by your past and learn from it and others might benefit from sharing.My biography is what is it and is fully disclosed on several public websites by 3rd party regulators (TSBPA, FINRA, NFA, TDI, etc) and reiterated on several of my own.