I have very little money to get started and want to figure out the most cost effective way to get things rolling.

Forum rules wont allow me to post her full contact info, but this should be enough for you to find her on the web.Laura RileyVice President/ Escrow Officer9910 IH10 W, Suite 101San Antonio, TX 78230

You won't take the effective actions necessary to get it unless you know exactly why you want it.

Sounds like you've already taken some very effective steps in seeing the process firsthand.

I don't see how you can compete effectively without significant investments of cash, and for a declining rate of return.

A bank approving a short sale has absolutely no effect upon an HOA foreclosing on a property.  

I think people would say you should be thrown in jail because it was such easy money you were effectively stealing, ha.

It's nice to have one person who offers the whole suite of experience.

What if you and your investors could conveniently and cost effectively diversify into single family rental homes and apartments in one dwelling & one community with one set of rental and maintenance overhead?

Why would any business person make a broad statement like this, effectively cutting off their source of potential customers?