Most of those guys charge 2-3 points and you'll land anywhere from 6-10% with both ARMS and Fixed. 

Also, they charge a $1100 processing fee.

Would the tax lien loan company sell it at current payoff value or would / could they charge a premium ? 

Neil.Get a credit card and start building your credit for the next 6 months. 

I've learned since (the hard way) that legit lead services charge per lead, when they are delivered. 

What are the likely fee amounts that will be charged by the bank for the foreclosure process that will begin to eat up the equity in the home if it is not forfeited completely?

I go to these events sometimes just to socialize with other investors and pass out my business cards.

If this is such as major issue that they sent a letter around, and they feel everyone should do it, then the best way to make sure it's done is they make it building wide project.When they do these projects however, they either increase the monthly fees for everyone, or do a one time assessment charge.

You are right, there are new buildings being completed and many units entering the market; however, these are rental units that command a much higher price per sf than my units, and usually charge and extra $150-200/mo for parking, while my places all have dedicated building parking.  

I found mine like that and he charge me $400 to cut it and install it.