Say someone has $20,000 cash and its just sitting there, and cant be used for retirement accounts because they are maxed, and the person has no debt.

@Samuel Olivas From personal experience you can't have your cake and eat it too. 

Call all the auction companies in your area and get on their mailing listing (make a personal contract with auctioneer associates - let them know that you are a buyer)  they will email you a list of up-coming foreclosure auctions.Your benefit by getting to the owner early, is that you may be able to 1.take over the mortgage by making up the back payments 2. get a deed signed, 3. take over the existing mortgage 4. advise the owner how to delay or stop the mortgage foreclosure 5.

It can also handle inbound customer service calls & converses like a person rather than a robot.

Whenever someone files for bankruptcy, there is an automatic stay of all legal proceedings against that person. 

Networking with industry experts can provide valuable insights and personalized services.

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Ben, So what I am hearing you saying is you had a property in LA that was worth $755,000 and after the sale of that property, you cleared $366,000 which you turned and bought a property in Houston for $400,000 by using the $366,000 and adding $34,000 more in personal funds. am I correct in my understanding?

‘imagine you were looking to buy something personal like a shirt, or a watch.

Under the FHA rejecting a person for the ESA dog is a form of discrimination against those with disabilities.Your post suggests that this person has passed all your screening criteria except for the ESA dog.