Hi, yes, you can begin with Dodd-Frank, collection requirements and foreclosure then off we go to HUD regulations, certified housing counselor requirements, then, check out the FBI site, consumer information is the easiest source, search for "foreclosure help". 

Many states have laws that protect consumers from stale collection efforts after 4 years.  

Take advantage but be modest.  

It has been my experience that these are fairly sophisticated transactions that can be very costly and time consuming. 

If you plan to manage a vacation rental it can be extremely time consuming but may be better then the 60/40 split you generally have with a vacation management firm.

This is about the adverse action letter and the FCRAhttps://www.ftc.gov/tips-advice/business-center/guidance/using-consumer-reports-what-landlords-need-knowAs I understand, a third party information must be supplied as the source for the denial If you only had a telephone call with this applicant it may be moot.

It is a commercial mortgage, not a retail consumer mortgage @Josh Braun.

We are having reasonable success with direct mail, but it's a time-consuming process that also takes lots of patience...years, to be exact.

I did try consumers, ECCU (had account there) and Advia and was told by all that I needed to wait at least a year. 

Make a list of 20 questions and start consuming as much info as possible so I could be ready to dominate my area.