Instead you go and talk both debtors into erasing debt by 50% meaning you win and she wins.Time - as @Joseph Ball if they need their money yesterday, and houses are taking 3 months to sell, that's not going to work.Laziness - They're trying not to think about their problem, but it's hard to ignore getting the same mailer 5 timesHassle of conventional mortgages - Deals fall through, people snoop around your house, not everyone wants to deal with thatToo busy - See laziness above

It can be ball park figures.Here is a short list of line items:roofingconcrete driveway replacementcarpet install (average quality carpet)paintingreplace old pipes with copper onespest / termite tentingasbestos/mold abatementAlternatively, you could give me your ball park numbers that you use for FnF's..

They can analyze for days, but don't have the balls to pull the trigger.

Bryan - The tax rate unfortunately is per month here in New Jersey, I may have calculated it slightly high but it will be somewhere in that ball park.

Dan, if I had a better arm I could throw a ball and hit the LES field.

Then if you can match the schools up, you are starting to get in the right ball-park.  

Weed out the sleaze balls, so when the serious money starts to flow, the snakes in the grass are already out of the yard.4 - Partner being onboard.

Then you're looking at legal fees trying to save the ball.

But Im really looking to get the ball rolling now.

If not, get a contract written up and take it to a title company to start the ball rolling.