Asking people on this site of real estate investors or aspiring investors will likely give you the conclusion that having tenants is definitely worth it. 

But 90% to 91% would be “good”.So the trick here is to check the market data and expect performance in line with that data.

Most cities on the web sites will post the information you are looking for .

I'm thinking Texas is the area i might be interested in and the type would be performing 1st lien notes. 

All 5 of those perform well for us, so you can't really go wrong investing in any of the 5.

I have a non-performing note on a house in Flint and the owner will be signing a DIL.

I have a huge lot 1.5 acres and will have completed an on site laundry facility and am drawing up a 12 unit storage facility.

I can learn the rules of footie/soccer by reading the FIFA's Laws of the GameI am unlikely to perform well on game day unless I have a coach who knows strategy.Best of Luck on Your Real Estate Investing!

Are there any free sites or way to find and get in contact with the owner of a home like this?

As always, don't trust the internet, seek professional advice. https://www.hud.gov/sites/documents/SERVANIMALS_NTCFHEO2013-01.PDF