It looks like Kevin's and my markets vary. 

Every market will vary due to labor costs. 

I've used Propstream, Red X and Real Estate skip trace with varying levels of information accuracy.

The actual penalty varies but it's often a step down or if a 5 year prepayment penalty term, it will be 5% of the original or unpaid mortgage balance if refinanced or sold in the first year, then 4% in the second year and then on down (the exact penalty varies which is why I mention both the original and unpaid mortgage balance.

@Michael Ewersi can only speak for what i've done as i suspect it varies by market. 

The posters opinion is based on their experience, my opinion is based on mine.  

Wanted to introduce myself.

Requirements/terms for both will vary from lender to lender.

Crime rates vary significantly by neighborhood and city.

While personal circumstances can vary, it will be a unique situation indeed if $10K in debt should force you to declare bankruptcy.