Scamers are very efficient, and they practice the "funnel theory" - they send out feelers to millions of people and hope to draw 1 in 100 into the funnel.

Extra income, extra profits, WOW the new CEO must be great.Common with many businesses and clearly nothing at all unique to banking.Emotionally the new guy as few or no emotional attachments to prior decisions so they can take the hit without feeling like they messed up.

yes prices will go back up, but from what I have been seeing lately I would have to say that it will take some time until that takes full effect.I have seen properties take a $150K hit in the last year and are still not moving after four months of being on the market, so you tell me!

I have seen everything from…- Free to process and then a split if successful…- $1000 fee hit or miss… - To $2500 if accepted as submitted.

Even better than subprimes offering 30/50 loans a few years back and saving some very lucky homeowners from 2/28 messes for about the same monthly payment.No surprise they no longer offer such a product of course.Just for nostalgia purposes...there was bank (right before the crisis hit) that started offering 620 FICO 100% no doc purchases.

After the last rate cut the price of oil hit the $100/ barrel mark.

I'm pretty sure HML is out of the question due to higher int rates and length of time needed.I know it's a bad time to be hitting up the banks for loans and that I'm looking at an uphill battle.

My parenthetical comment was related to the fact that depreciation is similar to CapEx, in that they both account for the wear on the capital asset (though one actually hits the statement of cash flows and the other is just on paper). 

But, I know we will come out of it again and in my guesstimation, it should be right about the time my girls hit college and that is what I am shooting for.Right now, in my neighborhood there is a house a guy bought for 70K and has listed for 129K.

You could learn how to manage properties, spend the next 5-10 years buying cashflowing property, retire before you hit 35 and never work a day in your life again.