Tenants in many markets already believe they pay too much (contrary to recent studies that show rent to property values have never been lower for the large US cities).If my insurance costs are not double my current rates over the next couple years, I will be pleasantly surprised.  

However, now that my note has been securitized and I have the pooling number that it is in, I contacted the servicer and they refuse to answer any questions about this whatsoever.

An uncontested foreclosure is often the best way to resolve issues with subordinate lien holders though I've also contacted some and explained they were about to be named in a foreclosure and suggested that could be avoided if they just released the property from their judgment/lien.

PM me I'll give you my contact.

Rates are hovering in the mid 7s depending on your credit score.

I do need a property that is not very expensive, which is why I have been looking into Clevland due to their low selling prices and high appreciation rates.  

The amount of equity I call pull is less than the cash I have but not significantly less.When doing this analysis it struck me that it may not be worth using a HELOC for the simple fact that the interest rate is ~9%* while the funds in my high yield account are only yielding ~5%*.

OccupancyMost lenders require a minimum occupancy rate of 85%.

My agent is currently finding best rates with Travelers.   

My emails are going in circles and un answered.Good luck  Hi Eva has anyone from the 10K Club contacted you as yet?