There are even entire Excel workbooks posted in the FilePlace, which have been submitted by BP experts like J Scott and others.  

@Kelly AllenWhen you first start real estate investing it is confusingWhen I first started I had a teacherThis teacher was a business ownerMy job once I was trained was to talk to Home sellers about cash or terms offersI used a simple document called a letter of intent to lease or purchaseYou can't make any money wholesaling unless you get it cheap enough so that's the "cash" partThe formula is 65% times after repair value minus expenses for repairsHaving a few cash buyers already is very helpful.

., but it took almost 2 years to get them out because they had they faked document.  

If a seller submits an offer that requires an owner carry, you can always counter at a higher than list price.

Just submitted my first written offer for a non traditional owner finance purchase. 

The first time, the applicant swore it wasn't her in the county court record for an eviction, and I told her I'd need an affidavit or some kind of documentation from the court that it was a mistake.

HOEPA imposed onerous penalties for loans that were classified as " High Cost Loans"   HOEPA would also rescind (write off) a loan if it was determined that the lender had not documented the Borrower's Ability to Repay. 

Reading a tax book, it seems that I need to document each and every receipt and mention who I met with ,etc , etc.

In this arena, you don't get a property simply by submitting the highest offer.

They ask for all my RE owned, name and account info for all my assests, all my other mortgages, etc.They are asking for %20 down, plus 2 points, plus a 1200 "application fee" for documents and inspection, @ 12% for 12 months.Is there something wrong here?