The main driver is a green initiative to lower utility consumption throughout the state. 

Any market you choose to invest in should have strong economic drivers so as to insure you are making a sound long term decision. 

My question is if anyone is doing this and how are you setting up how the team driver gets paid?

@Joseph EmsTalk to @Joseph Scorese at First Trustor Conrad Driver at Harleysville (not sure if lend in the University City area).

Many times the unknown of the next step is the primary driver of fear holding someone back from leaving a tenuous situation, so if you can help her clarify those next steps it could help.- Investing with low money and bad credit -- I would exhort you to read the book The Richest Man in Babylon. 

These are worst case scenarios above.We do think there will be some of this happening but not for the majority and also very dependent on the area and what the industry drivers are for each specific area.

Went from dishwasher at Italian restaurant to truck driver to Petroleum Engineer in those years.

Notwithstanding, your point about profit being the primary driver behind seeking pre-foreclosure deals is well taken.

Is that "Driver for Dollars?"

This causes very expensive rehab costs in Albany, relative to even Albany's near neighbors, and I believe it's a primary driver of the urban blight that's evident in parts of Albany.