In reference to purchasing "subject to""Some techniques teach to hide the ownership of the property by placing the property in a trust and selling the beneficial interest of the trust.

We’ve asked FHA directly if there was a way around FHA or if they planned on relaxing the rules and they said no.

I was wondering if conducting a mailing for pre-foreclosures is an effective technique?

johnmichael: One very important you must be a Creative thinker - When you combine traditional brainstorming with creative thinking techniques you will advance pass your competitionjohnmichael: So what is creative thinking to you?

This is a technique the realtors and seasoned investors use.

Then I realized that by following through on my dreams of being a real estate investor, I was already retired at 30, I drive my corvette or harley to look at homes all summer, then relax at the pool with my wife when I want.

I can give 20 minutes of ANY Day 2 returning phone calls4"damage control" or whatever...then go back 2 vacationing w/o the worry of "what's happening w/blah,blah,blah, & have a BETTER time Relaxing...that's just me.Hoping I planted a seed that will help the neighborhood & rehabbers(&U of course) prosper in Your future;& in finality(absolutely SHAMELESS Plug here) When(not if) the borrower calls up so excited they can barely speak that just found 750 acres for $25M that they can develop into 1 acre lots for $75k per lot, they just don't have the 20% down & 3-5 million 4 infrastructure & marketing....call me, 24/7/365.

I have done several of them and I am comfortable with them now, but the first couple were a lot of work to get through because I had to learn as I went.I am sure there are several courses on the market that teach this technique.

A lot of the techniques I teach in my classes and mentoring are applicable to other states and situations.My point?

If you are going to need financing, you are probably going to have to get your wife involved with the loan docs.I would say that your best bet would be to study as much as you can on creative financing techniques (lease/option, land contracts, subject-to) in order to eliminate the need for your wife's cooperation.Tell us what her perspective is please.