A for-sale sign stands outside a pre-existing home, in Walpole, Mass., in July.

NJ not so sure but NJ had a lot of cases.Then when you dive into the data for NYC, you notice that Covid was harsh on 1) Elderly people 2) People with preexisting conditions 3) Obese people 4) Low Income people.

You're trying to avoid "SEC solicitation rules"--which is easy--just don't generally solicit anyone you don't already have a pre-existing relationship with.

True dat.If you're soliciting people that you have a "substantive pre-existing relationship" with then you're exempt as long as you follow the rules (Fed and State) that govern that exemption.The general solicitation rules have relaxed some with the new(ish) 506(c) but you must make sure the people you're soliciting under that rule are accredited.As Bill said, all's fair if the lender solicits you. :-)

Due to some pre-existing vacation plans, I'm questioning when the mailers should hit our prospects.

It seems this was a pre-existing problem.I love the wealth of info, but everything has to be mobile-accessible in the time we live in now.

In this instance my assumption is that this was a preexisting condition which should have been uncovered. 

They will have five days to identify and take pictures of any issues they want to note as pre-existing.  

So an attorney may be willing to work with you on some kind of alternative fee basis --- especially if you have a preexisting working relationship with them.Note that aside from the attorneys fee, there are generally other costs associate with probate.

You can take control of a property "subject to" anything pre-existing; title insurance policies would indicate such things as exceptions.If you can convince the lien holder to subordinate to a new loan so that the new lender gets senior lien position, then you might even be able to get financing.