I will just go to her office and generically ask to talk to her about buying a house.

Remind them you require no leads, no training, no office space, etc. and offer them maybe 10-15% of your commissions.

Demand and supply vary dramatically in different areas, creating substantial pricing differences.

I think the concern is equity skimming/equity strippinghttp://www.hud.gov/offices/adm/hudclips/letters/mortgagee/files/85-21ml.txthttp://en.wikipedia.org/wiki/Equity_skimming

Many of these borrower have paid attorneys structuring their entities although most are trust vs LLCs or corps.My point in bring up the assessors office is that maybe servicers view a "sale" similarly and I referenced the details.

I'm still a little miffed (it would help if I could get through to an officer at the Bureau, rather than the unhelpful automated voice machine).

Is it simply speculated supply and demand, or is there a simpler approach?

Main level - enclosed porch, living room, dining room, bathroom, and kitchen2nd level - 3 bedrooms, bathroom,Attic - sitting area, un-permitted kitchen, 2 bedrooms, office, and un-permitted bathroom. and lots of storage (I will take out the kitchen and bathroom and cap everything so it is compliant)basement - new gas boiler, and water heater, unfinished but +9' ceiling height.

This can also be done by supplying comps yourself.

Partially, to make the point that there are always those deals that do NOT fall in the realm of 'typical'.I recently rehabbed a house that I bought from a Professional Flipper who I have supplied cabinets and counter tops to (my day job) for many years.