They have a document you can sign so that you can use the physical address and you PO box number like a unit or suite number. 

For all those wondering, here is the relevant portion of Fannie Mae guidelines B3-6-05:"For all student loans, whether deferred, in forbearance, or in repayment (not deferred), the lender must use the greater of the following to determine the monthly payment to be used as the borrower’s recurring monthly debt obligation: 1% of the outstanding balance; orthe actual documented payment (documented in the credit report, in documentation obtained from the student loan lender, or in documentation supplied by the borrower).If the payment currently being made cannot be documented or verified, 1% of the outstanding balance must be used.Exception: If the actual documented payment is less than 1% of the outstanding balance and it will fully amortize the loan with no payment adjustments, the lender may use the lower, fully-amortizing monthly payment to qualify the borrower."

I have documented our experiences in the investor deal Diaries forum under the name project BP.

And when it comes time to buy, those will be the ones that can get the offer submitted the quickest.

Document everything -- Keep the lease agreement that says no deposit was collected, etc..

That's what the agent said about his association with the REO listing agents and working with the banks was that he knows just how to work with them, ie submitting offers.

We did submit an offer at $250K with a couple of escape hatches written in- waiting on word.OK - what am I overlooking?

I have documented our experiences in the investor deal Diaries forum under the name project BP.

Offer has been submitted and I'll know tonight if it was accepted. this is a Bank Foreclosure.

I am looking for a CA Real Estate Agent that has documented experience in negotiating short sales.