Also, monitor current mortgage rates, as high rates can significantly impact your monthly payments.Your personal circumstances are also important.

Then I see what they say.Normally two circumstances:1. 

If the circumstances don't match what the borrower is claiming, the loan will likely be denied.

We had a distinct advantage over the one off buyer our title company at the time and their underwriter Fidelity WOULD issue us title insurance upon receipt and redecoration of the Tax Collectors Deed..

It is delinquent enough (Greater than 90 days but below 120 days(can't file first legal until after the 120th day by federal rule (Except under very very specific circumstances)) to where the lender or servicer has sent the breach letter (Notice of pending foreclosure) with an expiration date that the loan will be referred to a foreclosure filing (Trustee/attorney) if the borrower(s) don't cure the breach within that defined period of time.* A notice of default is not a letter sent by a creditor saying they are late.

I had put in for extenuating circumstances form several time and never received a response.

I agreed with what everyone has already stated here: depending on your own circumstances.

Once you have REPS the distinction between passive income (or losses) and active income (W2) disappears and all those tax losses you have been banking can be applied to the W2.Good luck

However, as I always say in such circumstances, we're entitled to our own opinion but not to our own facts.

So not so much different with CD or a bond ETF (6-7%).What we don't understand is why ; such real estate note issuer should collaborate with infamous-and-well-known serial-scammer ( that's very transparent and well documented that they are a fraudulent ).Usually in this circumstance, there may be some additional kickback / commision system that's we don't understood.But a business tha's promising 25% is 100% guaranteed to fail.