I decided that given my timetable and lack of expertise, I'm going to avoid setting up relations between the tables of my database.

I own a GC company as well as being an investor, and got into that business because I had background in it and was sick of other guys jerking me around and messing with my time tables on my investments.

The one issue I have marketing to these pre-foreclosure guys, is their time table.

Assuming that if they are allowing you to use $120K of their $$ at 0% with no timetable of paying them back, they probably have more money to work with and they probably have a network of friends and/or business associates that have $$ as well.

We have also filed a complaint with the state Real Estate Commission but they have yet to make a ruling (and they have no real timetable as to when they will get to it). 

I think the market makes this a terrible time to project your success on a five-year timetable.

If you are 100% sure, I would still set my own time table and follow through. 

We are about to see transactions fall 50% from high to low (no timetable as this will extend multiple quarters) and since Housing is roughly 15% of GDP it will effect the overall market. 

You'll find out fast if he's serious about his timetable or jerking you around. 

We may have had people speed up their timetable for buying a home when rates were so low thus inflating current buyers at the expense of future buyers but this will be temporary.