In a sea of bad decisions with my consultant and project manager, Melissa was a breath of fresh air.For anyone looking to invest in Cleveland, I highly recommend reaching out to Melissa Hudson.

For example, I had a client in Austin who worked with a small, local bank.

It is not that buyers  "don't assume EVERY person on the list is motivated"... no not even talking about that.What I am saying is this: You are explicitly, going out of your way to target people that explicitly do not want to sell, and ask them to sell.Hence my vegan example. 

But you will never get a GOOD Contractor to work for you when you operate like that.And you missed all the examples of what can go wrong when the customer puts themselves in charge of materials acquisition.....wrong items, wrong sizes, too many, too little, on and on.....

I am sure the answer is "it depends" hence the term "creative financing" but was hoping people might offer a few examples to help me think more about how i might approach deals where the seller is motivated and the property as been listed for a long time. 

For example they owned 5 homes over the past 10 years. thanks. 

For example, if you were rehabbing an old house with plaster walls, the insurer might spec them to be replaced with drywall and base their payout on that BUT the public adjuster digs into all those details and makes them payout based on plaster because that is what is there originally.

So for example, a 761 credit score will be in the 760-779 credit category, then going down to 740-759 and so on.2.

Anyway this is an example of a search for HELOC  I am sure you can find many many morehttps://www.biggerpockets.com/forums/853/topics/1088137-helo...

You can hear real-world examples of how others have built their investment portfolio and (hopefully) learn to avoid their mistakes.4.