The feedback I've received is that people prefer to have a live-person at the home so they can ask the agent questions or they just don't feel comfortable putting their CC info on the site. 

The cc on my HELOC was $200.

I'd try to get it for 145K and have them pay 3K CC, but I saw what they paid- so you may be stuck where you are at because they can't bring money to the table.I would add granite, backsplash and laminate to living room where carpet it...do it right away so you can enjoy it.

Originally posted by @Brian C.

Beyond that, even start putting everything on your CC. 

That's how I got started (1978).The legal information that you to study is primarily found in CA Civil Code Section 1695 as it relates to Equity Purchase Agreements.Also, study CC 2924(a) et seq. as these are the laws pertaining to non-judicial Foreclosures.I believe you can still download a copy of the Equity Purchase Agreement which includes the statutory 14 point type font language at Ward Hanigan's Foreclosure Forum website.I still think the most successful people who are looking for super-bargains (meaning properties with lots of existing or created equity will do their best work by a combination of mailing, calling and knocking as owners are getting pounded by direct mail pieces.

Maybe a mortgage with another bank would let you directly do a CC payment, but I don't think you will have much luck....or a free easy way of accomplishing it..I am an avid miles collector, I maximize CC spend every way I can.

However, it is a C, C- neighborhood, with and unusually low rent roll (and, as I investigate Craigslist, Zillow, and apartments.com, the competition seems to have rents that aren't much higher).

I did two and a half semesters at TAMU-CC (computer science major/Business Management Minor),but I dropped out because I did not want to get a loan and that was the only way I could afford it.

any active investor in CC area to talk to?