hellothanks for the replys and help from everyone that posted, but i think you's guys probably mis-understood why i would need this info.first - not all deals with little or no equity are short sale frinendly, another words the homeowner first has to be behind in payments (normally 3 or more) which not all distressed homeowners fall in this category, second if they filed bankruptcy (which most of them have) most banks won't deal until its out of bankruptcy and etc, and others things like if the homeowner had PMI, or if they can still afford to make the payments and etcnow i'm interested in wholesaling (which i know is just and exit strategy), working with motivated sellers that actually have equity in their houses all ready. so thats why it benefits me to know how much equity they have and etc.exp: if they have a property that the ARV is $200,000 and it needs $10,000 in repairs, and i find out they owe $170,000, then i'll automatically know they won't sell to me at $120,000 which is were i want to purchase at to make a quick $10,000 or more assignment fee profitnow short sales are great i'm actually working on a couple, but their not as easy as the guru's make them out to be, some of the loss mit reps act like your taking something from them personally, which i thought they'll be so die hard to get these deals off their desk-------------plus its very time consuming so thats why i'm gonna look at short sales as a second tactic, and gonna focus working with people that are motivated and already have equity, and sometimes its not because the homeowner has lived in the property for like ever, it could still be a good deal for me because of what that properties ARV might be (because i know maybe 7 out 10 people in distress actually have little or no equity)so i hope all of this help you's guys to understand why knowing what the homeowner owes will benefit me, it'll help me put together my offers, or feel good submitting the ones i know they still walk away with something, one thing i do know for sure and thats 9 out 10 or 10 out 10 distressed homeowners will not come out of pocket at the closing just to sell you their house

Bad habits die hard.

We're sending these out to all our lottery die-hards for Xmas......

And a 5 or 10 year old PC with an SSD and at least 8 gigs of ram will do anything but video editing or high end gaming.I know I won't convert the diehard Mac users, but I prefer Windows and would use Linux before I would go to a Mac.

My nephew & wife were both (high 6 figure W-2) die-hard NYC residents of 15 years & definitely struggled with the thought of leaving when Covid hit.

Old habits die hard.

Old hippies die hard  You have worked in tech and know the SV crowd so you know what I'm talking about.  

If I wasn't a die hard surfer I would go elsewhere. 

or maybe you don't worry too much about it because you have a die-hard lease that ensures the tenants don't smoke on the property?