If that is true, and and most homeowners are in denial, then why do over 40% of the owners in foreclosure, file for Bankruptcy (Chapter 13 is most common and Chapter 7 is filed on occasion)?

In addition, on at least two past occasions, "cleared" checks were later rescinded by the bank.I require a minimal application fee of $10 per adult occupant to be submitted with the completed application in cash or a money order before I will process the application.

It sounds like you're a blank slate.

Awesome answer, @Michael Blank.

Get blank yellow coroplast signs with the H-stakes and hand write the signs or pay someone to write them for you.

My grandparents live in Mountlake Terrace so I get that far north on occasion, and am hoping to move to Seattle in the next several years.

I agree with both @Michael Blank and @Douglass Benson.You have to find out whats the best use of your time with the skillset and contacts that you have.If I had started working in banking or finance, I would probably have gone the route Michael suggests.I definitely use flips to raise capital.

In summary, I identified what really energizes me and then took the time required to go back to a mostly blank sheet of paper to redefine my objectives and strategies.

Generally Realtors will use standard, fill-in-the blank forms.

As a buyer I have gone direct to the seller on 3 occasions.