The discrepancy so far (5 addresses) has ranged from very little (under $10k) to as far as $100k in difference.

I believe all fha loans, as the vast majority of other loans, included a release/forgiveness for the unpaid debt.

The real thing that will decrease housing prices is increasing supply, either by building more homes in an affordable range (and therefor probably smaller).

There is never an agenda, just a bunch of RE junkies drinking coffee and chatting about the market, local news/regulations, and helping each other find their way in the vast world of Real Estate! 

I have some properties on low rates 2-3% range which I'm in no rush to pay off.

This means the value will be at the low end of the comp range

Local meetups. https://www.biggerpockets.com/forums/521Explore Auctions and Foreclosures: Properties in your price range may be available through local auctions or bank foreclosures.Partner with an Investor-Friendly Agent: An agent familiar with BRRRR deals can help you find off-market listings or properties about to hit the MLS.

Timeline ranges from 22 days in Texas to almost 12 months in some other states. ” The borrower could file bankruptcy (can someone confirm that this will only cause delay, but not jeopardize ultimately collecting the legal balance of the note)”I wish I can confirm that, but it isn’t true.  

For the vast majority of my investing career, I have not taken more than a standard deposit.

With that price range you are looking in I'd explore doing just 5% down conventional for a mutlifamily rather than 20% if you want to be able to save your funds to be able to purchase again sooner.