Just winning the bid and paying at the auction isn't the end of it. 

There is simply a mindset of fear and uncertainty.  

A lease is simply a contract and everyone agrees to those terms for a specific amount of time.

With your credit and situation if you were below 12% I would say that’s a huge win from a private lender

Simply safe

But if you have properties you own you could use those as leverage and secure against those but no lender is going to give you basically an unsecured line which would attach if you win a foreclosure sale.

Big win right?

They focus on finding long-term tenants, and it's a win-win as less turnover is less expense for us and less work for them. 

Rates will come down and homes will hit the market but you will continue to have the problem that most people cannot afford a home and the numbers do not work for investment purposes.Mortgage rates are simply reflecting a price of front running the market.Those gullible will fall for the bait.

Any active strategy is going to take a lot of time that working doctors simply don't have.