Thanks Tanya and Ned,I am indeed finding people are very helpful on this site and its a giant big learning community.

I grew up in a family where both parents worked 40-50 hours week after week, collected consumer debt, and often were not able to make ends meet financially - pretty normal!

Even though I am not able to move forward on it at this time I am trying to hone my analysis skills for when I can.

(I had a friend who had food trucks there was a giant garage sale in a wealthy area and he put his truck on a corner of land that someone said he could , he called the health and fire department got permits for that weekend had his insurance with him. 

If I was one of the owners in a tight spot looking to sell, I would probably call the number on several postcards and go with the best offer if I'm not able to sell through MLS.I can see how investors contacting property owners with offers to redeem the certificate and buy the property might upset the certificate holder a bit, after all the golden goose is getting the property not the % return on $ and redeeming the certificate puts them out of the equation, but I do believe it's the better scenario for the property owners. 

We opted to do 30 year notes figuring that we can always pay at a 15 year rate if we wanted to or if times got tough could drop it to the 30 year payment.After we started to get a ton of appreciation in the properties over the past few years we tried to refinance to pull some of it out and were not able to because we had too many notes. 

I'd suggest you tap into the equity (several ways to leverage that) and if you're not able to expand with conventional financing, move to taking over tired landlord properties with seller financing.

There aren't many families looking to buy a home in this area, so the homes would probably be best for a "buy and hold" investor.I don't have access to inside pictures for most comps to adjust for condition, and for some Im not able to tell if they are cash sales or retail so Im somewhat limited when it comes down to coming up with a solid number.I also called 5 wholesalers whose ads I found on craigslist.

Some of them that I was not able to sell, I keep as rentals or sell them on C4D

My money is tied up and I'm not able to hold this one.