I literally laughed through the phone at his suggestion, because I was broke, in debt, and in every way and unqualified borrower, and the lending environment in 2012 was probably stricter than it had been since the invention of the 30yr mortgage.

You do not need a court hearing to move forward.You can read my book to get more details, but you essentially have a couple options. 1.

Two best options are house hack or sell and acquire a 1031 property.

She is located there and lends all over the area so will have real-time intel for you.

The first thing I ask is why am I Buying the property.I always look at the exit strategy first, is it going to be a rental, a lease option sell, am I planning on living in it.

I believe it to be a little Southern California hidden treasure for cashflow, mainly class C but if you know what you are doing its a really good option to invest locally in CA with decent returns.

I signed the contract to lend to them on 10/31/2022.

I also worked with a great lender who helped navigate financing options, including my HELOC, to make the deal happen.

Note these are only residential options. 

What I don't like is seeing the removal of peoples options and freedoms to self select and engage in what they want to do.