On the other hand holding notes on property secured by owner occupied residential real estate is subject to Dodd Frank legislation, the rules and regulations promulgated by the Consumer Financial Protection Bureau, state consumer laws, state homestead legislation, and local housing and lending laws.  

I think Zillow has a Lot of the local traffic nowadays in the San Jose, CA area and their interface offers a lot of info that consumers are after.

VERY messy and time consuming.  

You heard me right “CFPB writes letter to CFPB,”article and video- http://mortgageshots.com/cfpb-gets-caught-in-deception-and-nobodys-talking-about-it/LETTER- http://dailysignal.com/2016/04/14/did-consumer-financial-protection-bureau-write-lawmaker-signed-letter-to-itself-on-fighting-discrimination/

The permit system was not overly time consuming but they were sticklers.  

In other words, understand the elements of any contract, and you'll have the basis for u understanding a contract for real estate.That being said, states have enacted laws governing real estate transactions to protect consumers so you have to be mindful of those.  

“The CRA states that investors will likely be exposed only to maximum statutory damages of $4,000 plus legal fees, consumer claims in defense of foreclosure may occur in judicial states as the consumer will be working with an attorney.

The lower the R-value the more the hvac system will have to work which consumes on average 40% of the electrical/gas bill.

It was a very thorough analysis that pointed to broadly good news for the housing market between now and 2018Unemployment at 5% and declining, core inflation at 1.7%, accommodating monetary policy, consumer confidence at 96, 2.5m new jobs being created each year, 1.2m new households being formed each year and interest rates at a very cheap 4-5% are creating a goldilocks scenario for housing.Looking more broadly, we also have some significant tailwinds for the market New Households: Millennials are leaving the family home in volume.

I realize they may deny my offer and thus become time consuming with more auctions, However think that would be a good move?