For the most part, that population cannot adjust, or afford moving somewhere else.

If that interpretation benefits you, then good, if not, then negotiate or move on.Know your market values and you should be able to aggressively guestimate the interior repair costs (baring a complete kitchen replacement).Make your offers based on that and adjust once you get inside.Another strategy on this is to offer higher amounts to peak interest, then once inside, point out all the items in need of repair and work downward.

Why do you want to walk away or why do you think your loan terms should be adjusted?

Her payments are adjusted each year depending on her income.

Like wiping the slate. ps... after I finish with my notsmith file, I use the 'adjust' tab and change the file name.

Having your contract reviewed and adjusted by a local attorney is a good idea.

The market has its way to adjust to the actual value (Mark to market as the banks dread it) That's why I completely discard ARV estimates, tax assessments and all other nonsense statements that seller put out there that mean nothing.

A price to sell the property is not usually set until the bank has the BPO in hand and approves it or adjusts it accordingly.Hope that answers your questions.On a side note, reaktytrac is a great site to use to find REO agents and other properties that will be coming down the pipeline.

Should I be adjusting the number's slightly based on the fact that my tax expense is 0?

Some will accept them, and some won't.The only way to find out is to make an offer, and then adjust accordingly.