I however googled the owner and learned a lot about them such as how many mortgages they have, how many deeds are in their name and that they filed bankruptcy in 2015 which is all ammo in negotiations.I could not reach the first owner so I reached out to the second.

Google Ads?

Your best bet is to google "rent to own ____your area___" and poke around some of those sites.

A simple google just said sewer and trash, but I have waste management already on there.

This REIA has a unique service, a google group called Deal Makers where you can get contractor referals in 1/2 hr and legal issues solved almost as fast.  

If negative, include in monthly liabilities.If you want to see this laid out in a spreadsheet format, google: Fannie Mae form 1037What I just spelled out is the exact Fannie Mae guideline.

I am creating a Google Spreadsheet that effectively calculates ROI for me.

I would love to google it and read more about it.

I'm having trouble finding it through Google. 

This is old news here, and I haven't met many landlords that are worried about it, as business owners, they just realize it's part of the flow of business, and aids them because now the city is forcing them to raise their standards, rents, and property values.