@Mark Derby My wife was director of such a programme for years.

the bottom of a closet door chewed into splinters by another dog,  6. some idiot tenants who decided the crawlspace under the house made an excellent dog house (nothing like scooping dog poop out on your belly) and 7. much of the metal around an HVAC unit rusted out early by a male dog marking his territory there.Gail

And while you may feel anxious to get there, and maybe even tire of the journey, you do not get so discouraged at the midway mark that you just turn around and go back to your starting place.

@Mark Elliot how are you finding the houses that the banks have dumped in this manner?  

Hi Kristen, I have not gotten one from him, though I have gotten similar unsolicited emails regarding real estate from a number of addresses (lenders, with or without quotation marks, team builders, etc); ironically, I get far more RE spam that passes through my filters than any other kind.

@Mark Pedroza They are in the newspaper here.  

@Mark Brogan  Thanks so much!

Am I totally off the mark?

Originally posted by @Mark Esposito:I've seen the cash game played a lot.  

Why does the government sell money to banks at low to no interest and they in turn mark it up to the consumer.