Find the office that has plenty of donuts and coffee and lots of people hanging around bs'ing about last night's game, or how their one-and-only contract fell out and are ready to pounce on any breathing body that comes through the door.  

But humans react differently to things they commit to in-writing.

The general public needs a governing body to oversee this stuff to protect the public's interests.

That's human nature Every single tenant in America begrudges every penny of their security deposit.

There is plenty of private money that would lend 50 to 65% LTV so long as the collateral is decent and you're a decent human being.You should also consider encumbering that property for asset protection

No SSAE16-Soc II report on file, No E&O, no regulatory body governing them, no audited financials, no policies and procedures on NPPI data, etc.) they aren't going to be able to call an institutional lender/servicer/bank to buy a note.Our diatribe ends up being to the benefit of the OP.

I’m being a bit hyperbolic but there are ways you can have that conversation in a humanizing way without being a push over or too overly cold.

That's the wrong way to buy notes on the human side, though it's a valid business model for the greedy pig that does not care.Or buy an REO in one way or another and do the BRRR.

Now you also loose your homeowners insurance because no body wants to underwrite!  

I've hit up Morris Habitat for Humanity Restore with little luck.