The last thing you want is liability related to the use, misuse or theft of confidential data.  

Misuse of there their they're.

You can find quit claim deeds filed in most land record offices, you can in all offices but perhaps with more effort.If you have some basic letter that says "I see you were recently granted an interest in real estate......if you have an interest in selling this property....." type of thing.Quit claims are used in estate issues, divorce settlements, used to convey property as a deed-in-lieu-of-foreclosure to a lender (think private lender), in estate planning and in instances where one contributes property to another entity and they are often misused.

I do not want to mis-use that equity and therefore create a brick wall in front of any possible passive income plans.

So it looks like you are misusing the term "CLTV" perhaps to be something related to the amount of capital invested as a ratio of the property value.  

Return on Investment (ROI) is a commonly misused term and I don't agree with the definition above at all.

Unless it is obvious that it was tenant misuse. 

Because that would be a serious misuse and misinterpretation, misinformation of things.

Did the fridge break because of misuse or abuse by the tenant?  

One is about "CAP" rate, and it's common misuse.