Try North American Savings Bank and First Western Federal Savings as leaders in the field.If the trust is under an IRA, then you will want to be sure to educate yourself on the concept of UDFI taxation on debt-financed real estate income.  

Will bank jump in just before the tax sale then?

Dump her.Please explain

You can then send a letter to whatever that address is.Couple things to look out for: (1) type their name in the property appraiser to check if they own multiple properties - if they own 5+ properties it's not worth your time mailing, (2) many vacant or abandoned houses are REOs - make sure you aren't sending mail to banks, corporations, etc.Lastly, if I was doing driving for dollars, I would not mail a yellow letter.

That's a 5 yr note from a local bank, 5 yr term with 25 yr amortization.   

If your documents are in order but your explained reason for doing it is to influence rent payments or occupancy you could find yourself in trouble for violating tenants rights.

On August 16th the "2nd" bank check arrives at my house.

Assuming you have this, what your lender's appraisal comes in at is irrelevant.....it has no bearing on the bank's approved price.  

(this makes HELOC's essentially unavailable to me=/)My situation and where I am seeking advice:currently seeking lines of credit from multiple banks.  

I introduced myself as an investor that would be in the area soon and would like to look at the homes that they are selling for the bank.