And if the borrower is cooperative or unrealistic or in a "protected" class, or whether they've tried a loan modification, all of those play a role.

you can have a redemption last minute a foreclosure rescue a sale  lender modification.. lender postponement.. and then the BK although its important to follow the BK's many times those come back around 6 to 12 months later.. in my experience you have to track at least 50 to get  1..  

I am using my own money to take over their mortgage (if the deal makes sense), do a loan modification, sale their property as an agent or wholesale it myself.I am just shocked at the fact that NOBODY out of the 100+ people I've spoke to wants any help.

Unfortunately, You cannot offer them a loan mod if you are not the lender.

Apropos to rental property investing, expansion is a vital and important topic.

Originally posted by @Nick Vitale:@Basit SiddiqiIf you ever claimed depreciation on the property you will have recapture if you are selling at a gain.

They know the time and getting the correct information is vital.

There are areas that are slow to welcome the re-vitalization but I think are ripe for opportunity.   

We have talked a little over phone and I feel I have already done a little rapport during that time but just want to make sure I ask all and most vital questions.

I look forward to any suggestions, modifications, and constructive criticism.