So are you approaching people in the West Valley who are not in foreclosure yet, and offering them 75 - 80%?

In all likelihood, I would stay in the home and not flip it.Is borrowing $20,000 secured by a 2nd mortgage, and then refinancing in 12 to 24 months to take the 1st and 2nd mortgages out... a realistic approach to acquiring this property?

Your approach is very similar to mine, get rich slow is an enjoyable journey....... 8)

Furthermore, properties that are listed on the market give the banks all the more reason to sit and wait for higher offers...giving the investor no leverage at all on the approaching sale date.Plus, REA's have to conform to office politics when getting involved with these SS negotiations.

Since I am working with Realtors, what forms must I use and how should I approach it with them?

That being said, you have to try different marketing approaches, and tinker with it until you find the niche that works.

Obviously, if it is on the Market, contact the sales rep/agent.I hope this begins to help you get a better picture of how you may want to approach the Westchester Market, but do not give up---however, make sure your asking price is within the typical price range of properties bought and sold in Westchester County.

I have learned a lot from them, because they approach deals by a process of analyzing them and using their experience.

You may even detect a bit of sarcasm between the words; though it is meant purely and seriously.If it is a hobby, you may approach it cavalierly.

Jack Miller - Cashflowconcepts.comBetter hurry he is 88 years old.By far he has put together the best and most incredible deals. 50 years of experience.He talks a lot about pounding the ground in your farm area.