If you encounter a structural issue you did not anticipate as an example and the repair is $10K

So for example I'm very conservative and don't want any debt on them because I feel this hardens them in case of a severe recession.

Happy to see this...about time!

Example- I have access to propert information for every property in my State (Absentee; preforeclosure, mortgage rates,.....)

For example, if they say that the loses in a given market are likely to rise $1 Billion in 20 years in a given market that may be because that market is urban whereas a rural market might have a smaller number.

You will see people saying they bought it zero down, seller financing yada yada yada.

Hate to see you project off to a rough start, that being said the future only will get better if you learn from the mistakes, don't blindly trust, and always verify 

A 4.5 rating with 80 reviews can tell a very different story than the same rating backed by hundreds.It’s also worth asking a few practical questions:– Do they have a response-time policy for owners or tenants (for example, within 24 business hours)?

I only charge when it is clearly damage that requires more than a standard touch up, for example large stains, heavy grease, marker, pet damage, deep scrapes, or widespread scuffing that requires priming and repainting beyond a typical refresh.For small drywall dents, tiny dings and a few nail holes are often normal wear.

For example j-box embedded in walls, removal of load beating walls, etc.