:lol: Perhaps a gummy, :cool: or a pasty :rock: ofgift

In the past I would have used down payment assistant programs to get around this but apparently those have been shut down, at least for now.

I have done so in the past. I

:violin: When I am screening tenants in this area I am mostly interested in knowing what problems they have had in the recent past. I

Credit has to be over 680 and no bk in the past. I

I fear rejection from banks trying to get a loan due to my credit and dumb mistakes I had in the past. I

Experience has shown me that people in foreclosure some times do not think rationally and many times are in denial.What has been effective in the past is to mail postcards to a general area of smaller older houses simply saying that you buy houses and can close at their convenience when they want.

If a property can pass the ARV test then it is worth a closer look.In the past I may have unknowingly used a formula like ARV and then further crunched the numbers with specifics.

I was also looking at "The Real Estate Arena" but after reading this post and being scammed out of too much money in the past, I don't think I'm going to try it.

This might be why your broker hasn't been visible as of late, but enough about the past. I