You need a lending and securities attorney.There are some West Coast-based lending attorneys who work nationwide that I have recommended, but you might ask around regionally first.

Failed listings could mean canceled listings, expired listings, or where there have been no updates to a listing for X period of time and they just move them to failed.Equity could be calculated based on FMV - original mortgage OR FMV - estimated current mortgage amount. 

Commenting to follow - I'm based in California

We tried doing one of those flat fee letters and then put it on the credit report services, it's been a year and no contact from x-tenant.

They will be able to determine that based on your income and reserves.

Hi VA loans are originated based on the entitlement amount of the borrower.

Welcome and thanks for your service!!!! 

Hi All,I am in the process of listing my first rental and was wondering what everyone's thoughts were regarding the Zillow Application and Screening services for tenants? 

If it's been listed for over 100 days, everybody who has an Internet connection and invests in your market knows that property is for sale and nobody is interested in buying it at that price.

Definitely looking forward to accessing his services.