the 203k loan process is intense...but i think that's where the money's at! 

I will adjust the maintenance to a more conservative number.

My next thought is to try to search filed deeds and liens in individual counties, but this is all obviously extremely time intensive and potentially expensive.

Even if I adjust to your 2010 benchmark the returns are as follows:10 Year - 3.1%/Yr.20 Year - 3.15%/Yr.30 Year - 5%/Yr.Once again, I ask anyone to show me a market that can demonstrate similar appreciation over a 15-30 year period.

Just my 3 cents adjusted for inflation.

As I said, I can adjust the rents on the tenants to cover my extra costs without disturbing the relationship very much.

I think it's a great idea with this one suggestion/adjustment.  

I do have to admit however that I am exhausted and I am looking forward to recharging my batteries over the holidays.I also am going to adjust my marketing campaign in the upcoming year so that I don't generate as many phone calls in such a short time, at least until I start having some help in answering the phone.

This deal was 24 years in the making - growing in intensity this past 2 months! 

You can then determine when u would switch financing or make other adjustments.