Are you making modifications beyond repairs, such as separate utilities for each unit? 

It is very, very tough to get a loan modification.  

I haven't even looked at any JADU stuff, but it appears that the only real modifications to be done relate to the kitchenette and an exterior door if one needed?

I bought a pool of 2012 seasoned sub prime loan modifications.

We attempted to work out a loan modification with the borrowers but ultimately needed to foreclose as they were unresponsive.

I completed a SAM loan modification (Shared Appreciation Modification) that states I will need to pay 25% of any appreciation on the property if I sold or refinance. 

This does not sit very well with many - the banks have been paid quite a bit and then they take peoples homes away from them, refuse to do loan modifications and do not use the money given to them by the government for loans.

"Never sell anything" is probably subject to modification.

They seem to stem from loan mods and with CW originations.If the seller started a loan modification, then the the loss mitigators handling short sales will not be able to access the ATR or the SS package.

I have been searching county clerk records for LP and N.O.D's, I have found and have contacted the home owners by direct mail, for about 3 months now, and the response has been 1 in 40 thus far in the first mailing round.I search daily to add about 10 to 15 per day to bring up the numbers.I listened to the second podcast where the guest mentioned that she likes direct mail, but she mails out every 6 weeks.My question is 2 parts:1)With mortgage modifications in play is it safe to say that many distressed owners are slower to respond to this form of contact?