They offered me a package B2R loan last year (I was unable to move forward due to my husband's illness.)Now (today) when I talked to them, I was told that they don't do lending in Idaho!  

What forms i need, what to say, how to put together a short sale package to present to the banks.  

I bet the coaching is just a long confined opportunity for them to upsell you to the $40k package.  

BTW a bank does not have to make a loan - but packaging mortgages was the most lucrative business - which of course led to the crash - banks did not care to whom they loaned - they made so much money on the tranches, they just needed to keep inventory coming so they could sell it to the stupid well heeled investors - it is mainly the banks that brought the crisis to us, by not having to make a buck - by lowering their criteria and lending to people they clearly should not - but as they had no skin in the game once it was tranched so who cares!

Banks do sometimes sell packages of REOs.

I have not been marketing myself because I want to polish the package first so to speak.

A home I currently like is 2 twins I could buy as a package for 150 thousand.

They also offer additional resources which may be available depending on package or pay more.

Occasionally on a complicated transaction, I can see out contract package in Maryland/DC expand to 100 pages.I think the length of our contracts is proportional to the amount of lawyers we have in the area, since we have the most lawyers per capita by a huge amount here.

Other perks to coverage that you might consider: a package policy that covers your car insurance too (sometimes cheaper) and an umbrella policy for 1 million dollars to cover all sorts of things that could happen.