Any time I hear someone refer to "cold calling", I cringe as I put myself in the position of the person receiving the call or email and know that I will almost never buy/agree to anything from someone cold calling me.What I like to do when I'm in these situations, is try what I refer to as "warm calling".

Hoarding is a weird situation.

It is not accurate in a conversion situation.

I would work with a lender on your specific situation. 

But, that is not always the right answer and you should speak with someone familiar with your personal situation to get advice specific to you.

That situation sounds frustrating, especially with the rate change coming as a surprise.

So, they shouldn't be stuck in a bad situation. 2.

That is part of the situation where house hacking isn’t exactly in the cards at the moment.

Originally posted by @Drew Sygit:You might want to read our series about “How to Screen a PMC Better than a Tenant”, since selecting the wrong PMC is usually more harmful than selecting a bad tenant: https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesdon't know the situation but a lot of what i see is round peg in square hole..

So, in your situation, why would a lender bid $180k unless they think they can get AT LEAST that much for it?