Rob, I'm sure the current tight lending practices are holding the housing sector back.

It is easy to distinguish in the A paper arena who truly is a direct lender but in the private money sector it is often not as clear.

Is there another sector of people who continue to pay their mortgage, but know they need to sell and that they are upside down, so they list their house as a short sale?

It's a 20 minutes condensed version that opened up the event and it starts on the second video at:http://www.thenorrisgroup.com/free_resources/i-survived-real-estate/i-survived-real-estate-2012/ If you haven't seen this series before, the panelists are made up of some heavy hitters from different real estate sectors including the Appraisal Institute, National Association of Realtors, Mortgage Bankers Association, Fannie Mae, and Carrington Mortgage (hedge fund).

Bernanke urged using more taxpayer funds for new efforts to prevent home foreclosures, saying the private sector is incapable of coping with the crisis on its own.

I know STR regulations have loosened as of recently and there are available permits in our sector for STR's.

I come out of the nonprofit sector and am still very much involved in that work.

A colleague of mine is interested in these for his private sector foreclosure prevention business... since this is clearly a better option than the ridiculous 90-day moratorium, I thought I'd help him out, so...Where do I get a list of NOD's (preferrably in So-Cal counties- Orange, SD, LA, Riverside, San Bernadino) with phone #'s?

Call me a skeptic but I don't believe there is a free lunch with anything and this commercial sector must have some caveat that allows it to stay more profitable than residential.

This sector is totally different to what I'm used to, so it is a learning process.