(An exception allowed for those who have religious resons not to vaccinate.)

I am at a loss as to how to title this piece,I have a Townhome I bought(seller financed) in 2001 at $87500 @9%( at the time I do not have good credit)the balance now is 82000(which includes escrows)....the problem is I have done some work on this property.....replaced polybuthylene pipe @$2600,repainted the house$900, other repairs$1500,jacked up the foundation from the crawl space$1600......any way because of the Real estate downturn, there has been a lot of foreclosure around my house which means low appraisal, two units been offered at short sale at $60k and 35k...informal appraisal puts my townhome at 75k to 82k....needless to say I have a difficulty refinancing, credit is no longer a problem.....my question is how do u approach this owner to either write down the Principal to maybe 75k or cut the interest rate to maybe 6%...or alternatively I may have to walk out on the property....by the way how will this affect my credit,it is currently not recorded on my credit reports(I monitor all 3 religiously) the deed is however recorded in my County courthouse here in Cobb County ,Georgia...If any one has another option or approach I can take , pls let me know

I'm not a religious person, but I consider myself a moral one.

Certainly a viable strategy, however, I am of the belief that myslef and my agents do not want to go through the work and efforts to make 30-60 written offers each month in hopes to hit the lottery.I go more for the outside lines of roulette where I have a 50%/50% shot.

Can you please provide some reference to this scientific scale that determines religious belief?

You might not agree with Johann Bach on his political and religious beliefs, but that doesn't mean you can't acknowledge his musical abilities, right?

My other favorites would be a friend of mine from Joplin, he's a religious man going to school to be a preacher man.

Justin can correct my if my belief here is wrong, but the main reason for the reserve clause is to protect themselves from those who would hide their money somewhere.

If you want to wholesale and don't want to put any money out of pocket you need to consider dealing with homeowners with equity. trust me there are tons out there contrary to popular belief.

I do have to agree with you on the fact that we do fully believe in CAS but have zero belief that Environ knows what they are doing or saying, from our understanding their main client is Lennar homes and they have been repairing homes under Environ supervision.