My reasoning behind these cities and with the help of US Census data I looked at population growth, rental vacancy rate, diversified economic drivers, judicial states (where the foreclosures take longer), landlord friendly states, affordability, percentage of renters vs owners, median house value, median income. 

It was supposed to be the formal living and dining room, but without furniture, it was just a giant empty space, separate from the other living areas.

I had an attorney do an informal search which he said showed no problems but was not a formal title search. 

A formality, I'm told, but it could take weeks or months.

At the bottom of the personable letter, I state how much I will submit as EM after they pick which option they like and a formal PSA is submitted.I do this with listed property as well as off-market.  

My letter was going to be a typical yellow letter in what looks like a hand addressed envelope and what looks like red handwriting in the body of the letter.Should I go with that or something more formal? 

Most of the these are in judicial foreclosure states with very favorable debtor judicial systems requiring long foreclosure times, exacting documentation and large legal fees3.

If not, the governing bodies by-law must either Offer the Property for Sale through what is known as a Non-Judicial Tax Sale, Judicial Tax Sale, Tax Deed Sale, Tax Lien Certificate Sale, Tax Title Sale or a Tax Foreclosure Sale.

A foreclosure with a deed of trust is much easier and less costly than having to go to a judicial foreclosure with a CFD!

He then told me that if I go to the formal hearing with ARB, they will tell me the same thing.