As long as your ability to make the payments remains, the bank has no motivation to take a loss.Your best bet is to get an appraisal that shows either a value higher than the loan so that a refi will be easier ( possibly with a different bank) or a very low appraisal so that the loss is would exceed your financial capacity.

But your dead on I bet 100's of thousands are spent each month on mailings that those mailing them will never even answer the phone or call back..

Based on the cat urine comment, though, I'd bet this is a leaking sewer line.

I would bet your quote is pretty good but I would get a second one to confirm it, and I would highly recommend you use a specialist company to pinpoint the exact spot of the leak.

These transitional areas are often a good bet as even when economic pressures can stall a market overall, cities and communities are invested in the health of these transitional areas.

@JJ Ono , The best bet is to look up all of the banks in that area and call them.

Sending a letter is probably your best bet.

I have some clients with $1M and others with $10M+.If a tenants guests falls on your entrance steps and becomes paralized, you can bet your bottom dollar $1M isn't going too far.I feel better myself knowing I get $5M for about $3,600 a year ($300/month).

Diversification and Hedging our bets are ways that we protect ourselves from suffering a loss.

Bet she doesn't flush them again.