Hi @Michael Vasquez,I'm late to the conversation here, but, I think it's good you are NOT using your credit card and doing more research, especially if you just repaired your credit, and may have low limits and high APRs.  

I'm looking for a Pre-NOD or NOA list in Texas.

I just hand wrote a letter to a pre-foreclosure owner, who lives out of state. 

The first time home buyer exception rule doesn't apply to withdrawals from a 401k account, so you will still need to pay a 10% penalty and income taxes if you are less than 59 1/2 years old.With an IRA, you are allowed to withdraw up to $10,000 to put toward your first home purchase without paying the penalty (income taxes will still apply if it's a pre-tax IRA).Also with a Roth IRA, you can withdraw up to your contributed amount (not the earnings) without the penalty or taxes.

@Jarett CoryAre these 0% APR promotions?  

Before you read my response, dissect your question and figure out the reasons why you couldn't wholesale a pre-foreclosure.

If you are going to finance your deals you might want to submit a pre-approval letter copy with every offer and explain to the seller why you are lower on the price.  

I suppose I should have clarified that we're still investigating the process, and this was for a pre-approval, before we get with our realtor to see what the $$'s get us in our area.  

I'm in the process of getting pre-approved for an FHA loan to buy my first multi-unit and I got a letter in the mail from Marketplace MC saying they'll give an FHA loan with a "2.75%(3.14%) APR for a 15 year Fixed Rate!"

If you need financing get a pre-approval letter.