Anyway, here I am many years later, a senior myself at 71, and living in Redding, CA, and thinking of doing a senior project. 

You could tap the $400k of equity in your primary, but that's a slippery slope with the little financial discipline you appear to have and could quickly lead to bankruptcy.

@Sidney Johnson just make sure that your finances and relationship are in a good place to attack this from a position of strength.

At least most cell carriers will auto-block them. 

If you have a larger portfolio, are you still self managing?

Have a name I will send you

Does anyone have a HVAC contractor they would recommend in Dupage County?  

I have been digging into the 2025 Trump tax proposals, and the more I look at them, the more it seems we’re in for a complex market shift—especially for real estate.

We have 40k in cash and 100k equity in our current residence, but we don’t want a larger house payment than what we have already.

If there is no motivation to keep their credit in line or salvage their financial future, they might just be OK with waiting things out and roll the dice.This is a numbers game so you'll want to have several potential sellers in your follow-up at any given time.You should also connect with attorneys experienced in short sales and pre-foreclosures to leverage their experience and knowledge.