I don't want to get caught up trying to focus on to many things all at once and only focus on the one or two that typically yield the best results in my area, which I know will require some hustle, as well as trial and error on my part.Thanks

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I can obviously run trials to see what works better, but if you've done it before, I'd definitely like to hear your thoughts.

The community of BP is wonderful and I totally get what you have created, a place for people to share their real world experiences within real estate investment and help teach others by their past trials; good and bad.

Plus they give you a free FULL use trial for 30 days. 

Note that in listsource you'll find two variations and the details are further complicated based on which one you select:For the "Original Loan To Value" criteria, it is just as you suggest - simple math, at least for purchase money loans. 

Search google for "Hedge Fund Pitch Book" or some variation of that.

You likely may have two options a zoning variation or a Special Use if applicable.  

I'm currently in the due diligence of a note, perceived as non performing but as I started to inspect the file I have noticed the current loan services company has reached a 3 payments trial payment plan agreement with the borrower, and two payment has already been done.

There's a huge variation of services for such homes.