People can no longer use their homes equity as ATMs by taking out lines of credit or refinances their homes to fuel consumption.

Your alternative would be an unconventional situation, i.e, a home purchase using owner financing, or a wrap around to an existing mortgage.

Another but similar alternative would be to lend private money in a first lein position at low LTVs on property you wouldn't mind owning.

Wow, way too many questions all at the same time with some questions having various alternatives and options and not enough information.

I can think of a few.Provide an alternative to home ownership for those that couldn't afford to own a home or might need to relocate quickly.Provide a safe place to live.There are many housing niches to be filled as well.

Selling the note is another way out of the deal for the bank, what they will accept may be close to the same as in a short sale, but consider any government incentive too, since to my knowledge there is no government program to assist banks in selling notes.Now, if you're buying the note as a means to avoid foreclosure, with consent of the borrower and the note will be modified for some deal, your purchase price for the note will probably be close to the payoff, but again, what is the alternative for the bank?

You can alternate upper case vs lower case if you choose, or just upper case first or last letter.

In light of these recent CL developments, I have been using backpage.com as an alternate method of posting interactive ads.

That's enough crude to fully fuel the American economy for 2041 years straight.

That's what I did, my alternative was not to do what I did and do something else, in my opinion, my opportunity costs were very low, since I loved what I did.