@Gene Hacker I think that may have been true a few years ago but I'd have to challenge that assertion that going over budget or overprice.

You don't want a fat HOA; it's money down the drain and doesn't build equity OR help with leverage.

Gene Trowbridge's It's a Whole New Business!

You can do it buy your self, but with an attorney most of these are on contingent basis.They only get paid if they get your taxes lower, which means you can use them to the fullest and there is not pre payment of any sort.Also they will challenge last two year which will get you a fat refund check if they win you the case.

Plus the 4 months to foreclose in CA means the soonest you could recover your collateral, the collateral with a big fat (most likely foreclosing) senior lien, is 8 months.  

I used 2 realtors, 1 I wasn't happy with so I switched, and the 2nd one I would recommend Gene Carter  Re/Max Southern Shores. 

We are now writing a fat check to the IRS for our capital gains. 

A BIG FAT COMMISSION CHECK.

But now, I really have no desire to get on my fat belly and crawl under a house or to walk on a roof where I might slip and fall and hurt myself.

Thanks Gene.