Yep.Some risk adverse people prefer the 15s... but they are generally high DP, anti-leverage sorts of folks looking to own things free and clear so they sleep better at night.

If you are risk adverse real estate, (especially out of state) is not for you.

Hagerstown doesn't seem as desirable anymore for those who are risk adverse which I am!

In a quiet title action he would be making the claim that he has the right to the property via the now deceased former owner's gift to him and/or via the law of Adverse Possession as suggested by @Christopher Phillips. 

Also, I am a lawyer and am naturally risk adverse.

I commend you for your determination, perseverance, and impetus to stay focused on your goals in light of your adversities and obstacles in life.The best thing I can tell you is this...as an investor starting out, I would do these 3 things:1) Take advantage of the wealth of information available to you here on BiggerPockets. 

I see a lot of low-income renters applying for apartments in that price range and they often have bad scores due to medical bills, loss of employment, and other drama that takes place when someone lives paycheck-to-paycheck.More important to me is how well they paid their last Landlord, their car debt, or their utilities.Don't forget: if you reject someone or change the rental requirements (e.g. increased deposit) because of a credit score, you have to provide them with an Adverse Action Letter.

When they adversely posses your primary residence they have to pay 25 percent premium one top.

Actually, REALTOR associations are risk adverse so they rarely train or inform their membership they can actually serve their clients better through negotiating instead of mediating.

The existence of information asymmetry gives rise to problems such as moral hazard, and adverse selection, studied in contract theory.