Biden has nothing to do with this: JP Morgan to Modify Mortgages to Limit Foreclosures By Elizabeth Hester Oct. 31 (Bloomberg) — JPMorgan Chase & Co., the largest U.S. bank by market value, plans to modify terms on $110 billion of mortgages and forgo foreclosure proceedings on all real-estate loans while the changes are implemented in the next 90 days.

For plain text SMS, there are ways to keep the costs down, but when you're looking to send images out in a mass message without the end-user initiating the session, you could be looking at some fairly steep fees from the wireless providers as well as registration fees with your state/federal telecom regulatory agencies (In the thousands of $ in monthly fees).This is actually the exact reason that I built seeinside.mobi the way I did, with the mission of keeping costs down for all parties concerned (agents as well as buyers) as well as to limit the amount of interference from regulatory bodies while avoiding local & international legal issues.

(yes I'm a selfish money whore that works a full time job and runs two businesses on the side)Then it is time for you to take action NOW to limit your exposure to the wealth grab on the horizon.

This provides limited downside for the person financing the deal.

The vastness of city limits including rom, utica, oneida, and others have a variety of markets that seem to overlap each other and makes it difficult with most of these cities, especially rome to make a definite market analysis.

Mike:doing a buy-write will reduce your purchase price but it also limits your upside.

A good place to start, given your limited resources, may be to join your local REIA (real estate investor's assoc.)

That sounds like you should pay $45K max, based on that limited info.You do know prices have fallen from three years ago, right?

Lenders have strict requirements so that they limit there risk of loss.

Note: Auctions held in bad weather where the property absolutely must be sold, are your best chance to limit competition and get property at rock bottom prices, due to the fact that there is no low limit on what can be accepted (no reserve) you may win big.