What law changes are you referring to exactly, @Will?

Maybe input them into an excel spreadsheet, assign them an ID#, and create a roladex card with it so I can reference them when need be?

References only, please.

1) ALWAYS get a detailed application. 2) Ask for references - landlord, personal and work related 3) Have THEM provide a current credit report - in my state that is legal - this way you create at least a "semi weeding-out" process right there.

I'd be leaning however towards the cashier's check but still not the best solution...How does it work at your municipality?

If I can find a deal for a house that will appraise for 200k at 100k, I still have to come up with 20k plus costs.I need a better solution for this type of problem.

Ended up costing around $10/ft, but that was for a very advanced solution.

When told something is illegal, ask for a reference to the specific statue.

But, the broker that I sent her to refered her to a credit repair co.the FHA website states "borrowers with credit scores between 500-579 are elgible for a maximum FHA loan of 90% LTV...."

Of course, there's a first for everything ...This next thread holds a collection of links for buying at auction, some of which specifically refer to HOA:http://www.biggerpockets.com/forums/41/topics/68977-foreclosure-auction-sheriff-sale-and-trustee-sale-faq