Anyone buying leads: low FSS, financial security score? Weak ow

[Curt Smith]

Hi Folks,   We all know about the unemployment rate, the stress out there, hear in the news about tenants not making rent, taking forbearance on thei mortgages.

There's a financial risk rating system that lenders use, car lots etc called the FSS, financial security score.  Low is high risk, high number is rock solid.  0-100.

I once had independant list vendors who sold this lead type with filters on typical real estate criteria beds/baths etc.  But they seemed to have dried up.

Anyone know of a lead source that has to the effect financial risk?

I'm ramping up a low equity, high risk owners campaign to newer home owners, 2-10y ownership, cheap starter homes, in blue collar areas, looking for the newer owners who lost their jobs and want out from under their mortgage.  I buy subject to.  Have a closing this week that meets my guessed profile of what exists today and will mushroom 10x 100x through end of year and 2021;   newer owners, marginal jobs, job loss, low reserves to survive, house maintenance falling behind, and general stress re paying bills and wanting to get out.  These folks may list but they can't close due to no equity to cover the agents commissoin and the low ball offers due to defered maint won't cover the balnace of the mortgage.  Even if they list they are stuck.  Toward end of year and next it will be easy to find these owners, via long days on market >60 even >90 and new expireds.   And pre foreclosure.   

Im wanting to find them before they list or get too behind on their mortgage.

Ideas?  tnx