Because the tenants are fairly long term I was wanting to see if the property worked "as-is" without trying to raise the rents immediately.The goal wasn't to buy a 5 unit right off the bat, but if the numbers work i'm trying to "be bold" and go for it.

Now, I can tell you with certainty that she'd tell a lie when the truth would sound better and in the first 5 minutes of the call my BS detector was fully deflected and straining past the red into the "no reality check" range, but I continued to ask her questions.

The bold sentence implies that foreclosing from a 2nd position somehow makes the 1st lender irrelevant or gives the 2nd some hidden advantage.

Just curious, is there anything in the report that would raise some red flags?

HSBC's short sale facilitators are aware and knowledgable about discounted payoffs vs. short sales and were willing to present my offers.Thanks for the offer, but it's hard to get excited about a BOA loan file that probably has big red flags on it now.

Then I look at the collections, medical bills I am fine with but any utility/phone/cable bill in collections is a red flag

Anyone who tells you otherwise is blowing smoke and red flags should jump up everywhere.

Another tip I read was to write the letter and address the envelope in red ink.

Take Ignite or Bold.

Don't tell them you're an "investor" as that's a red flag in the minds of many agents and synonymous with 'dreaming time waster person.'