(if the bank accepts the offer of course)The objective here would be to avoid the bidding war from numerous buyers submitting their highest and best offers and eliminating competition by you being the only offer to the bank.

I am also thinking to acquire land/lot to build and sell.

Experience matters a lot to HML's AND private investors.

Use this to dictate your advertising, it gives you straight numerical statistics.

Also Memphis has a lot to offer for 40k to 50k buying REOs.

There is a lot to learn about your Target Marget.

Steve Hukari:Steve, welcome to the forum.Your offer concerning Excel, is a very generous one.I would imagine that you will get numerous requests for that help.I hope that the requests do not overwhelm you.Raymond

I will move forward from there.I still have a lot to learn about putting together a fair deal for all.

Electricity functional but numerous errors.

Even the agent fee to handle the sale will be in there, so you'll know up front what he would charge (probably not much if he's writing it up for the buyers as he won't want them to know he's asking a lot to just write up an offer.)