It is delinquent enough (Greater than 90 days but below 120 days(can't file first legal until after the 120th day by federal rule (Except under very very specific circumstances)) to where the lender or servicer has sent the breach letter (Notice of pending foreclosure) with an expiration date that the loan will be referred to a foreclosure filing (Trustee/attorney) if the borrower(s) don't cure the breach within that defined period of time.* A notice of default is not a letter sent by a creditor saying they are late.

I believe they only agreed to resume the cases they had pending before the pandemic when the courts shut down due to covid. 

I found out the Michael has listed his Georgia home on Zillow for 1.1 million and the sale is pending as of todays' date 2/3/23.

This is where a sale may benefit you long-term if you can find an investor to take it before the increased rate and pending rent decreases impact the value of the property further.

Look at pending sales.5.

A good agent can help reduce your risk, and that may be worth the 3%.I do agree with Andrew, if your agent hasn't helped you find the deal, nor has he/she provided representation/consultation throughout this deal, you shouldn't feel obligated to provide a commission to them (pending what it says in your existing agreement, of course).

. • There is no pending litigation related to the real property between the property owner and any known unauthorized person. 

Think its still pending. 

.$1,281-$297 = $984 profit from my initial investment paid over a course of 36 months, pending no defaults from Prosper.Do I have it about right?

However, in the long run, I love the "buy a house a year" strategy (as a primary, for preferred financing) and just keep moving (pending that your spouse is on board with this of course, if you have one).