I have been battling with attempting to keep my home by way of filing bankruptcy since my income continued to fluctuate.  

Absentee owners are usually a good place to start but there are plenty of other lists you can try out as well e.g. probate, divorce, bankruptcy, vacant houses, pre-foreclosure, expired listings, etc.

Or if it's discharged in bankruptcy.

They say they are starting to see/hear  up tick in calls of people asking questions about loan defaults and bankruptcies in different parts of the country.

(I'm Jedi like that:))Other stuff showed up too.Including chapter 11 bankruptcy proceedings.Then I got curious.I searched her on the county website and discovered she has an extensive portfolio of multi and single family units.So I asked if she was looking to sell(of course).Well,she said she was getting ready to list the entire portfolio for sale.Sensing the opportunity,I asked her not to do such a silly thing (😜) until I've had a chance to consider if I could buy any of them off market.Here's the problem:She is asking retail prices way beyond what I usually pay to acquire my properties.I'm a BRRR kinda guy and used to paying half what she's asking for these units.But they are all in my desired neighborhood and she's willing to do owner financing at 6% ,30-yr amortization (!).

If the former owner's file Bankruptcy it delays things even longer.

This would be issues like a bankruptcy, low credit score, several past due accounts or late pays, foreclosure, not enough income because retired etc...

Though I will likely lose 5K, as I doubt that she will meet her bankruptcy obligations, I am very happy. 

I need a bit of direction on this deal: 3/2/1 | ARV: $235-240K | Mortgage: $151k | $15-20k in updates/repairs | The biggest thing is he is in chapter 13 bankruptcy.

But he's in Ch.13 bankruptcy and so is the house.