Am I doing something wrong in my underwriting methodology? 

Cold calling is something that has become something I enjoy.

You can learn something from everyone" is my motto. 

And what is your price point and are you looking for turn-key properties or something along the lines of a "fixer upper"?

That is something I did not consider.

Payed for the so called free CD/DVD stuff and all of the sudden they are charging me $40 and $98 a month for something I never signed up for.You got to watch these gurus they like to sucker people in with these free CD's,etc but in reality it's a scam to drain you of monthly charges for something you never asked or signed up for.People like that belong in jail.

I can say that with Phoenix, a multitude of opportunities can be in store for you if you invest in their market, network, or even just want to get familiar with it.What type of real estate are you into: fix & flips, buy & hold, multi-family, or something else?

They know when they did something versus it already being there when moved in. 

I would also make sure you have a good amount set aside if something hits the fan.  

I am trying to understand some things you said here as I am totally new to the commerical grade policy.