It's a called a "waiver of deficiency" letter and do not close without it.Do not believe anything the bank says unless it is in writing.You also have to know which department you are talking to.You can get conflicting information depending on if you are talking to customer service,collections,loss mitigation,the short sale department,bankruptcy department,and the foreclosure department.In big banks these are all separate but in some local to regional banks one person might be handling multiple departments.They will all look at it differently with various goals in mind for the the loan file.

None of them want to lose a customer.

Turn off utilities. 2.

There are these things called utilities - you know, things like electric, water, gas, phone, cable, etc. - that are turned on when somebody lives in a house.

I'm used to bad customer service in this industry, but my experience with HUD attorneys (and attorneys in general) has always been good...sucks that even attorneys these days are reflecting bad on the industry.

Once you are on the investor side, I hope your customers fall for your homes like it seems you have on this one!

You could also look for any assignment of the Trustee and contact the Trustee, likely if it went to foreclosure they will have the info, they may or may not give you an address to contact the lender.If utilities are turned on I have gotten the name, same from the assessors office as to where the tax bill is sent.Often as people move out and the property is not cleaned up, you may find names and addresses of all kinds of trash and follow up through those leads.

My rehab company utilizes both options and purchase agreements.

Leon YangThanks, El Monte is nearby, I'll check it out.I didn't know that, I thought granite was very expensive.Do you measure and have them custom make it for you ?

Both qualified for 100% of rent plus utilities to be covered.