I think our poster on the bulletin board at the law school may have brought one of our apartment tenants.

This is a new federal law that you can get your report from each agency once per year at no cost to you.The process should take about an hour or so as you have to keep re-entering the same data for each agency.If you are married do separate reports, not joint.

As far as getting into multiple REO's, the new law here has made it a little harder to deal directly with homeowners in foreclosure so I am looking for an alternative while they are ironing out the kinks.

If you mean aproaching sellers in foreclousre before the auction, this is perhaps best unless you live in a state like Maryland that has laws to protect homeowners in foreclosure.

They then add a federally accepted overage which by law can be up to 15% (they must eliminate this if you tell them you do not want them to include it).

I strictly flip on seller finance.

The current flavor of the month (or rather, the last year or so) is law.

Maybe.BTW, you need to check your state and local tenant-landlord law.

A local Realtor associate told me today that it is against federal banking law, but again I don't know if this is true or not.

(law of averages)