So we could model out worst case for 10 years for the asset with a stress test.I do not like the loans that expire in 5 years with rates completely open to market rates with no ceiling.

It indicates a notice of non-renewal can be issued 60 days before the expiration of the lease without cause.  

We lose some to an agent promising them that price (Which then it sits on the market until it expires).

The permits have since expired.

I would start by finding a problem, like a house that will not sell that was listed with an agent, for instance, expired listing,canceled listing, long days on the market listing,  For sale by owner's maybe, but it takes a while because they feel that they can sell the house themselves, I have used a lease with option with the intention to assign with the understanding if they sell it first then I will cancel my agreement with them For rent by owners, most of them hire a property manager, so your best bet is to find where they're living and send them a letter explaining the benefits of working with you evictions I think are great, the landlord is mad as hell and wants to find a good Plan B working with wholesalers that have marketing going that have leads they cannot close because there's a little equity, you can offer subject to, a wraparound mortgage, a lease option, or some other creative solution for a low Equity house.

If I am the highest bidder on a property on hubzu that has a redemption period, how does one know when the redemption period expires or what happens next?

If so, i would ask to see the lease and see the records on paying rent and the expiration on the lease.  

For example if one moves out they are still responsible for the full term of the lease unless the lease has expired.

I should have clarified that the personal loan is a fixed 5% interest, so my idea was to pay off the CC debt first (2k @ 8%, 6k @ 0% for the next 12 months), since the 2k is charging me more interest and once my 0% balance transfer expires on the 6k, I want to have it all paid off since it was from a ~25%ish credit card.

They mistakenly tried to sell with an agent but the listing expired at $225K (overpriced).