Plus, is it moral to buy it knowing the guy has a position and screw him out of his position? 

I'm not going to be popular with this comment, but I'd also say that off market dealings can be a very slippery slope morally, which is why it is illegal for the stock market.

One of the easiest ways is through a secured credit card. 6 months history on a new credit card can boost your scores significantly.

So the moral of the story to me is the interest rates are going to really hose everyone if they spike too fast.

You are hopelessly confused between trying to buy the asset versus trying to buy equity at a discount.Banks and other secured lenders can do whatever is legal, within their charter and what they believe to be in their stockholders', servicing clients' managers' best interest.Lenders gave no moral or contractual obligation to protect the borrower's property.

I am hoping to boost this question to see what others think.

Been very blessed but want to start using this to boost our investing as well.

Yet somehow that state is paying all their bills.I guess the moral of the story there is to move and/or invest in Indiana. :-)

Getting that first one is huge for boosting confidence and building inertia for the next one. 

supposedly there's a developer looking to give it a boost in the coming years. so if you get something now at a discount and can afford to hold it for a year or two, you might make out real nice after the the values go up.Kudos,Mary