Hence, you're asking for gambling advice from someone on the internet. 

If you intend to pay it off soon and retain the property then it's a gamble if you should have it or not.  

Your gambling on an appraiser. 

Given it is harder to find deals that are worth pursing from an underwriting perspective, but we are not comfortable with gambling with our investor's capital with that uncertainty. 

Well, first off anyone who bids 1% is gambling on the fact that the owner will redeem the property and NOT go over 3 years.

You have to constantly check your MSRAMP account because you never receive emails besides the one i did get in my spam account about it being under review.

Somebody here hired Alex Martinez to spam BP members with the heading of "FREE LEADS FOR YOUR BUSINESS!!!"  

We do this to keep the information and education in and the ads and spam out.

I am form Southern CA and never heard of it.In all seriousness, the holiday months of the winter are typically slower times for real estate sales, however, in a flip, time is your enemy and holding a Property longer just to get through that time is typically not going to be prudent as the costs to hold vs the potential higher sale price come Spring is a huge gamble I would not be willing to take. 

These forums are not for spam.