You can go a short sale route, might negotiate a lower payoof or purchase the note (covered here on BP) and then have the owner give you the property, maybe with a little cash to them to boot, or wait for the foreclosure.One caution, you can approach someone who is late on payments, but once notice of foreclsoure is sent to the borrower new rules apply.

Consider placing Door Hangers on target properties: You can also use pre-printed post-it notes to leave messages at target properties.

Side note on laundry, ask that they throw in machines that accept credit or loaded cards if you can in place of or along with coins.

As a side note, it may not be a true FICO score that TransUnion is providing you.

The legal description takes precedence over all of them.3)Have you looked at either buying the note/mortgage from the bank that references/attaches to the back lot?

When I speak with a seller or look at their property, I always send them a note with my business card afterwards.

Finally got notification the bank has accepted another offer, agent emailed and asked if I wanted to be put into a backup position, I said sure...asked if I need to modify the contract to include a backup contract addendum he said no, he would "make a note".Oh well, next!

While you didn't direct that to me....Yes you could, I wouldn't make it so obvious setting the rate to IRS minimum, and it fluctuates quarterly I believe..... 1% above as a margin as an adjustable annual rate is more believable IMO.There is no problem with a note and an annual payment, even interest only annually, the easiest way.

As a side note, you probably already know this, but the numerical score provided by TransUnion is not your true FICO score (which is what you want to get).

Not sure how that would tie in - or shouldn't tie in.I'll give affinity a call for now - unless - Tim - drop me a note and I'll give you a call if you can help me out.This site ROCKS!