If you can afford them now it would be better, generally, to buy a more elite house.  

So yeah, we use imagery of Christmas but with a more globally appealing "Happy Holidays" wording.  

On-going debt service plays a more important role in loan pools that have yield demands to meet for 3rd party investors like in RMBS.  

in n out is local - hasnt hit NYC yet but it seems to be trying in LI.people seem to like non-chain restaurants - a more selective experience in other words - dunno but there are restaurant owners who want a second location.

Me myself am 22 years old and I have never had a more intense more gratifying job in my life.

I was curious as to why there had been no contact with the borrower.As you mentioned it seems like a more savvy borrower who's going to play the system.

This will help you create a more realistic strategy and business plan.  

Is there a more reliable source other than FMLS when researching for owners correct addresses?

You may try and find a more experienced buyer that has purchased these kind of "problems" and isn't scared of these unknowns.Rich

(depending where you are in CA)For me that's an easy decision...I'd sell and take my money to a more investor friendly market.