It doesn't make me a tax expert, just competent enough at filing what I do -- trust me, I've had a few letters when I started from the IRS catching little mistakes and telling me what my refund was really going to be. 

Even once it starts property owners are given many opportunities to catch up on payments and stop the foreclosure, and recent legislation will ensure that more assistance is available than it was during prior recessions.Recent unemployment numbers in Florida are pretty alarming - but the data indicates that most who have lost jobs recently were making less than $40k/year.

Zero money down is a catch phrase to attract the naive and a recipe for disaster.If you have income, you can prove it with tax returns or other methods.

Do you think they will suddenly catch back up on their rent payments? 

Tell them to take it down, it raises your liability, it isn't super common and you don't always catch it but most tenants aren't going to move over that alone.

I'd think to catch the home owner before it hits the court steps would yield a lot more opportunities. 

There are areas that some consider a "war zone" if you catch my drift. 

I was sure I was going to catch the older couple downstairs jacking up the temperature but they kept it at 70 throughout the winter. 

If your LO is telling you that you cannot do an IRRRL on an investment property...RUN.I think you catch the drift. 

Will catching up the back payments (and seller paying off legal and trustee fees) to discharge the bankruptcy suffice in making sub2 work?