I purchased it in 2011 for $115k from a bankruptcy.

In your opinion, what is the best way to find absentee owners, people in pre-foreclosure, probate, bankruptcy etc?

There is the customer service department, collections department, bankruptcy department, loss mitigation department, short sale department, foreclosure department, and on and on.

The catch is that this person has been paying medical bills for her mother's cancer treatments since 2007 and is finally thinking of declaring bankruptcy in order to come to a settlement on how to arrange those medical bill payments.

Only way out is bankruptcy, which is not easy.

It seems like Gorgia's foreclure law is much thougher than CA that's why more people choose Bankruptcies option.

That way unless fraud or bankruptcy carve outs only the down payment is at risk.It can sometimes  give leverage against the lender when they only have the property for recourse when a loan needs to be restructured due to ongoing issues with a property.

This is just my personal opinion and certainly there are more experienced investors here, but I think that catastrophic failure (bankruptcy) occurs when you try to get too cute with financial engineering.   

Some banks try to get all partners on there 100% but  that is bad for the partners.You could have 3 partners with net worth each of 2 million for 6 million. 5 years into a ten year mortgage note 2 of the investors made bad decisions with other investments and now face bankruptcy.

I'm literally tripling my marketing to include central florida I'm looking to learn how to pull these lists from county websites for these counties.OrangeOsceola Seminole Volusia LakeTax delinquent Code enforcement Pre foreclosure Bankruptcy Divorce Vacant