At the end of the day, it is still a free market and the portals can only charge what the market will support.From a lenders perspective, it depends on whether the investment you are making is debt or equity and how that is being structured. 

If they have not been discharged they can give you a form to affirm the debt or reaffirm the debt keeping you away from the issues.        

The best way to pay off debt is to start with your highest interest rate debt or your smallest balance first. 

The debtor filed chapter 7 bankruptcy, the “buyer” was not an interested party, just someone interested in purchasing the property.

Be aware that once you contact them, they might close your credit cards so be prepare for that.If you file for bankruptcy, you will list anything you own and it could be sold to pay the debtors. 

Anyone who has ever paid rent or a mortgage, much less works in real estate, certainly knows that in the case of any debt, or even a few behind payments, nothing works out to such simple and small numbers. 

If they haven';t been run through forclosure all of the home owners have too much debt or have crazy selling expectations.  

A happy owner with no worries about payments or a debtor struggling to make payments?

As a result, you can expect: More financing optionsLower ratesLonger fixed rate terms and amortizationsHigher leverage (up to 80% with options for mezzanine debt or equity)Asset is primary source of collateral with no personal guarantees (non-recourse)Lower debt service coverage requirements (as low as 1.15:1)Depending on the market, CAP rates in the 4%-6% rangeClass B and C assets lose some interest from institutional investors and borrowers typically obtain financing from banks, agency lenders and specific purpose REITs.

I have access to a list of debtors who declared BK.