That should be illegal nationwide.

If you took into consideration my leveraged worth I might need to go higher on the umbrella but I figure there’s no value in outstanding debt.

Hello,I'm a newbie looking to get my first deal on multifamily with creative financing. I've made 40 calls this week to 7 different states. I can happily say I have one maybe. Just hustle and keep harassing people wit...

One that is growing like crazy, debt free, and has outstanding training.   

This has been reflected in real estate nationwide except NYC which is a laggard.

So after that dead end I called a title company to see how if they could run a Informational Report to see if the property had any liens or outstanding debts that I would assume on purchase, but the representative at the title company said it might be like 200$ to get the info I want.

I do not know what you consider treating you and your money well, but I consider the return outstanding.  

There are some nationwide options from Fannie Mae and Freddie Mac.

In trying to get the water turned back on to make repairs I talked to 4 different people at KC Water that tell me we can't get it turned back on until we pay the tenant's outstanding 12K water bill and flat out tell me "owners are responsible for tenant's water bill".

The properties with poor initial cash flow are often in the areas with good/outstanding appreciation.