jawsette, you display impressive google-ing skills, congrats.

- name- address- what is your situation- how did you get into it- what is the ideal outcome- are you willing to move out if I can help save your credit- how much is owed on your first mortgage- how much is your payment- does that include taxes/insurance if not how much are those- how many months behind- what have you tried to do to get out of it - why didn't it work- how much is your second mortgage- how many liens do you have for how much- has a realtor provided you with any value/comps of your homeBottom line is you want to find out why there are where they are - how much they owe - etc....the opening questions about tell me about you are designed to get you some trust with them - once they know you care a bit they will open up.Frankly - you need to pretend to be making an offer right there on the phone - get all the info you need to make an offer - then run comps and do your own research - but if your going to 30 homes and rejecting 27 I would ask yourself why you rejected them when you saw them - what was it you found out that you didnt' know and come up with a question

In today's global world, when you sneeze on one continent and another one catches the flu, the self righteous borderline arrogance that previous admin has displayed plentiful is a depleted, outdated (and dangerous) trait.

So I would pay you 2k up front to process my short sale up front regardless of the outcome and all you do is simply make a few phone calls and fax a few things?

This is not a good deal even for an owner occupant.If you can get a loan modification, the most likely outcome would be to get that 18K tacked on the end, or to get to spread out paying that $18K over a few years.

You net $49K on a sale, or $38.5K after factoring in the ongoing loss.IMHO, that's the best possible outcome on the values.

or at least display the newest results first?

To answer your question, yes having foreclosure would further impact their credit negatively.But, even if the homeowner is convinced to stay in the game, BK removes nearly possibilites for a positive outcome for you as an investor.You will no longer control the transaction and that is a recipe for disaster.Crosswind and myself are giving you friendly advice, let the chips fall where they may.

Here is what is displayed with every MLS listing in my area:All information, regardless of source, including square footages and sizes, should be verified by personal inspection by and/or with the appropriate professional(s).

This is giving them the benefit of the doubt, however (and in this scenerio the same outcome as what I have outlined before is likely to happen).