@George Blower @Dmitriy Fomichenko this is completely academic question...

The agent.A short sale is pretty much this in a nutshell1) Buyer is in trouble and sends hardship to bank2) Agent does analysis and comes up with price (Which is of course lower than what is owed to bank)3) Bank says, go ahead and put it on the market4) Somebody looks at house and puts in offer5) Seller accepts any offer that comes in because they want out (regardless of how much the bank loses)6) Bank takes weeks/months to pay for their own evaluation, look at how long on the market, run an internal appraisal, look and do a cost benefit analysis on the loan and property7) Bank accepts/counters or denys the offer (provided they decide to do anything at all and not just foreclose on the original borrower and take the house themselves)I have it happen monthly....

It seems academic but similar consequences in other areas (e.g.

International students may do not know that and rent around the university. 

I think the best route for this then is to just get my real estate license and work my way up with my properties while working things out with these international buyers, then when I am qualified after 3 years I will shoot for a broker's license. 

You can either intern for investors during the summer or spend the time launching your own business with all of the free time.

The University of Windsor is quickly becoming a hotbed for international students. 

I think I've found what it is: International Paper Masonite Omniwood - the bad part is there was a class action lawsuit against this siding type, I think because of poor quality and not being able to stand up to the 30-year warranty.

The trade war can be a red flag to international investors, as they see it harder to invest in US real estate.

I had the credit report run through cozy and it gives me the following info:Contract Callers Inc  ACCOUNT SERIOUSLY PAST DUE DATE / ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR'S INTERNAL COLLECTION DEPARTMENTBut it does not give me any info on the cause and what the original debt is for.