And last but not least, the banks will fight tooth and nail when a borrower is seeking a full accounting.

Hello @Jerry A.Feel free to message me if you have any questions but I would seek out a broker who has access to over 220+ lenders to help do the shopping for you. 

I don't go to any of these events personally its seems like its a circuit and you have basically all the same players on stage as experts I don't know how much anyone can get out of these events ( i have spoke at many in years past so i know you can only gloss over stuff).

Readers should seek professional advice.

Readers are advised to seek professional advice.

Readers should seek professional advice.

You'd have to do the research locally, market by market, to determine who the players are.

It's good you're seeking advice and educating yourself!

We normally do not seek judgement due to the expense that is involved, even after you win you have to continue to renew the judgement every year.We put them in collections and have it hit all three credit bureaus.

Another poster mentioned seeking seller finance with 3% interest, if the numbers work, make the offer.