A Good realtor can educate you and in the process, expose you to 100% of the market place, to include FSBO.I agree with your innuendo though, a bad realtor actually has an adverse effect on your transaction.Find a good realtor that knows REO and knows negotiating.Good Luck with the property!

`(h) Standards To Protect Against Adverse Selection- `(1) IN GENERAL- The Board shall, by rule or order, establish standards and policies to require the underwriter of the insured loan to provide such representations and warranties as the Board considers necessary or appropriate to enforce compliance with all underwriting and appraisal standards of the HOPE for Homeowners Program.`(2) EXCLUSION FOR VIOLATIONS- The Board shall prohibit the Secretary from paying insurance benefits to a mortgagee who violates the representations and warranties, as established under paragraph (1), or in any case in which a mortgagor fails to make the first payment on a refinanced eligible mortgage.`(3) OTHER AUTHORITY- The Board may establish such other standards or policies as necessary to protect against adverse selection, including requiring loans identified by the Secretary as higher risk loans to demonstrate payment performance for a reasonable period of time prior to being insured under the program.

To overcome this, you will either need to put the properties in your spouses' name or partners if they qualify.

I would love to graduate in two years with two houses well on their ways to be paid off.However, I am having a big problem overcoming this DTI ratio.

How did you overcome that?

Now, I cannot overcome every deal and I have been unable to assign contracts on many more deals, but you simply cannot say that lenders are not doing them.

Although I have heard that foreclosure or Short Sale can be overcome in a few years if someone is good with credit after the fact.I am by no means an expert here but am curious what some other reasons to do a short sale are.

But, I a movie quote (from Apollo 13) I find myself saying when there is a big hurdle to overcome is, "Let's work the problem people."

Read Robert Cialdini or better yet get the itunes version.Better to understand your illness to be able to overcome it.

Do you have any suggestios for overcoming the fear of rejection and embarrasment?