I will admit I have much less (very little to be precise) experience dealing direct with regular non institutional sellers, however, the experience i do have here in CA and in other states, sellers were typically overshooting values of their homes, very rare to find one that undershoots it by that much.

Again, seek out an attorney who does private placements and follow their advice.

Also I could not get the list filtered to the precise target that I could with ListSource.

More precisely Auburn.

Power Editor is our best tool for advertisers who work at scale and need precise control of their campaigns.  

Maybe include a link to what you are sharing with us and maybe we can answer that question more precisely. 

Foldvary points out that the cycle does not always function on a precise 18 year schedule, but - baring catastrophic events like a world war - for the most part the cycle should be right around 18 years.

And then lending rapidly decreased, precisely when those properties were being foreclosed. 

My company does not yet pool funds to lend (that'd be a Private Placement), but we do offer financing to our customers who buy houses from us and secure the funds for those loans from investors such as yourself.Feel free to check out our website and/or send me a message to connect.  

However it is precisely because of my diversification that I've been able to weather this storm.