@Jesse Carlson get back on the horse.

I know you don't want to look like you're looking a gift horse in the mouth, but you really need to.

So they basically stalled me out, and foreclosed on the property anyway...

You might just be putting your horse before your carriage (or however that saying goes)

Therefore, the Debt Service is a NON-Operating Expense which then is reflected in the cash flow.Anyway, I think I beat this horse to death.It's not the Property that Cash Flows, it's the Investor that Makes the property cash flow.Something to think about.

I personally would like to find buy and hold properties so i can quit shoeing horses.

So I'll get off my small horse and just say that "lots of people do it and it often works because they usually don't care"  isn't much of a defense if the lender does care and also that you now have a situation where the LENDER HAS CONTACTED YOUR ATTORNEY TO SAY DON'T DO THIS. 

you seem to be putting the cart before the horse.

@Shane Malloy Baltimore continues to be the dark horse, and there are very interesting submarkets that are very strong in MD. 

Remember, in their eyes, you are likely "threatening their livelihood" and they may try hard to fight or stall the end of lease "eviction".