That is what I attempted to do, but the main listing agent looks at us like we are contagious & has a sort of negative jerky body reaction to low cash offers.

As long as you have some sort of personal or professional connection to the lender (i.e. you didn't solicit them through advertising), and it's just a straight 1st mortgage, then you don't need any credentials or regulatory filings.

What I mean is that, this neighborhood is in the dumps because the community of people living there are in the dumps by mind, body and spirit.

It could simply be that one of the short sale buyers had enough lead time to get the money together.On the other hand, it's annoying to think that someone gets to the front of the line by being dishonest, and every body involved looks the other way.

To raise new capital in order to comply with regulatory capital standards, those banks would have to attract capital from the capital markets and probably pay a higher rate than those banks that made good loans and did not incur losses.An analogy would be what you as an experienced real estate investor pay in interest for loans versus a novice RE investor who paid back the loan on the first deal with several late payments.

The kicker to me is that they don't have a HOA or any governing body that meets regularly from what I can tell.

If they dont want to use you then well there is always the aspect that there are other doctors and dentists that might be better suited to take care of your teeth and body. why should they get your business and you not get theres?

it is a conflict of interest. they don't care who's in the property as long as they get a body in there. and the investor gets screwed...it makes my blood boil.

The Universe is give and take; the body needs to breathe in and breathe out.

There are some investors who loan out to owner occupants but the new regulatory rules are making that harder now.