No problem with down payment but will need conventional load which is not a problem as I have been pre approved many times just did not find right property.

Agreed - my analysis incorporates this. 

However you should consider if your loan has a Pre Payment Penalty.

Pre recorded makes it seem like it's professional when it's a joke.

Quote from @Landon Whitt: Is anyone seeing a sizable increase in pre-foreclosures in their market yet?

Basically a pre-nup agreement.

At the time, it never occurred to me that if you want to swindle people it is difficult and expensive to take legal action against a company that is incorporated in a different state than where they do business.

Asa result, we are seeking alternative methods for acquiring off-marketproperties.While we havedeveloped a robust system for identifying and pre-qualifying potential landparcels, one of the major hurdles we face is reaching the property owners.

Here in Portland, there are a couple of different landlord groups/companies that offer pre-made forms.

I would advise you to get pre approved from your lender and make them aware as it will help them understand you are serious!