They begin title work, calling the attorney changing the trustee if necessary to commence the process, prepare notices for publication, all that adds up, it costs money to do all that.

You have to wait for 'down payment assistance program review and a little less traffic.

HAMP was supposed to solve this issue with a standard set of guidelines.Serviers website for HAMP adminhttps://www.hmpadmin.com/portal/programs/foreclosure_alternatives.jspIt was so well put together a form letter was to go out to borrowers that did not get a modification the letter basically stated here are your options, one option included a short sale and $x price all the borrowers were to do was find a real estate agent to handle the transaction.

Another way you can find an owner is using public records to find the name of the owner.

All investing requires money.People will try to sell you their programs to teach you how to invest with no money.

Tons of programs out there you have to dial for dollars until you find funding that makes sense at an interest rate where you can put the capital to use at a higher rate than what you are paying out.

Here is a good Washington Post article (opinion piece) that I was discussing a few months ago with MC public school teacher who I know:http://www.washingtonpost.com/opinions/the-great-m...Here is a less politically correct, but more data-centric overview:http://greatergreaterwashington.org/post/19285/de-...And here is a report directly from MCPS that addresses the disparity of schools in the county:http://www.montgomerycountymd.gov/OLO/Resources/Fi...More importantly, those I've spoken to believe that the trend isn't ending...

I started my interest in real estate like some people with the flipping shows and different HGTV programs and have always had an interest since then.

T-Value was an old program that was free, it might still be around. 

They have several programs running all the time.