I have seen posts/articles that mention end of year is a good time to buy deals but on the other hand the holidays are not ideal to find renters. 

Only a handful of multi families on the market in any size and so there’s also not a lot of comps.

Mistakes are one thing, but consistent mistakes are another.Speaking from experience, it is much more likely to make a mistake if tax documents and other info are handed in haphazardly and late.

On one hand we have a full fledged active company that requires employees in the following departments; marketing, sales, maintenance, HR, property management, administration & customer service.

If the tenant said you absolutely have to hand deliver, then yes, that’d be annoying.

@Bryan Pham I’m looking to own a handful of properties (single family rentals) by the time my current career is over and I head into the next chapter of my life.

I could take a headache off his hands and get some experience.

Every small hand tool you can possibly imagine.

No company will actually hold your hand through this process, which is what many of them promise. 

In the absence of that, the lender will continue as they don't know the Seller's intentions.In the end, if the Seller sits on his hands, does nothing to save his home, then BK is the only option for delaying the inevitable, but it won't solve his problem, and he will lose his home in the end anyway.