And although it was mostly information (the books) and not a hand out, it at least got us to the point of understanding where our questions lie.

I was actually thinking about lying and say I make more income than I do just to get a loan.

You need that info about the areas you want to rent.There are some universal truths to property management, such as many people lie on their applications, people come up with stupid reasons not to pay rent, etc.

If they blatantly lie about their transactional history... run.What you've described sounds like a fairly typical agent, and the listings and docs she's sent you also sound fairly typical.Your skepticism of these basics tells me you're fairly new... so I would start with more research before proceeding to buy property.

No GURUs, lieing about their success rates and profits, all with the motive of selling you a 1-3,000 course.

I also ask subtle questions here and there to see if I can detect a lie.

His 30 day money back guarantee is a lie.

Remember, the weighted telephone wholesaler is lying or exaggerating is to see if his lips are moving!

Now, some states have different rules for whether HOA liens survive a foreclosure, and you will have to uncover what those rules are for the state where the purchase lies.

Let's quit the word games and personal attacks.Stop making these accusatory comments at me.It's wasted space.Let's stay on the subject of the topic.You seem like you are frustrated with trying to buy an REO property and trying to direct it at me.It's simple.If you are a cash buyer then show the REO broker you are serious.Show them proof of funds valid within the last 30 days from your bank account.If you are using hard money then that is different from cash and subject to the appraisal and valuation the hard money lender wants.If your boyfriend is a contractor then maybe you can save on a home inspection and do it yourself.The REO brokers loyalty lies with the asset manager and the company they get listings from.Again if you are buying one property the REO broker is usually not going to work hard to get that accepted unless it's at asking or above.The bank is possibly giving 20 or more properties a year to the REO broker.