I was a realtor as well who only had worked in residential, but broadening my knowledge and experience in investment portfolios and deals has led myself and my colleagues to gather clients from all corners of the earth and we have seen a great deal of inventory suitable in Birmingham. 

How on earth did you go from a Seller who is "flexible" (read as willing) to finance the sale of their property to a Seller who has no options and has to take a discounted payoff?  

I get 3 or 4 bids and go with what I feel is a company that is down to earth and are ready to work. 

Not sure what kind of splits etc. he offers, but he was very kind, spent about half an hour on the phone with me and seem very genuine and down to earth to me. 

The following perils are the most common perils that are excluded from DP-3 insurance coverage:• Ordinance or Law• Earth Movement• Water Damage (some may be included in the policy)• Power Failure• Neglect• War• Nuclear Hazard• Intentional Loss• Governmental Action• Mold (some may be included in the policy)Although this list contains the most common perils not insured in a standard DP3 insurance policy, make sure to check with your agent and policy for any additional exclusions.DP3 Insurance is Replacement Cost InsuranceInsurance policies are either replacement cost insurance or actual cash value insurance.

In 2009 every analyst on earth thought we'd get hyper inflation we didn't.  

I can guarantee you there's no real estate market on earth with the ups and down that is involved with that.

The majority of people will throw you a sales pitch and promote you the moon, yet they cannot escape the Earth's Gravitational Field.If you are seeking distressed properties, REOs, etc.

What on earth am I supposed to do?

JB wanted to turn the earth into a nature preserve.