I bought several homes before 2005 or so, negotiating directly with the lender (as the buyer) and was able to make those acquisitions, but things are different now!

I have thought of several approaches, and am wondering what others think and, of course, whether I have missed something and any of these approaches are specifically disallowed under Massachusetts law.1.

I've met with several RE attorney's about which is right for me.

Unless the seller has just fumbled the ask price to the nth degree here (I mean it does happen, but this would be pretty severe), then I think you might be skipping right to the "V" in "ARV" and ignoring the "AR" part.

Meeting a real person and evaluating your knowledge and expertise face to face goes a lot further than a black and white loan application.I also have a national broker that I work with that has several products that work well with my clients.

Several turnkey providers here in Memphs.  

I have read several threads in the fora where you explain it, but I still don't get it.

There were several instances when I literally had to take apart an entire kitchen and redo everything.

I have an IRA (used to be a 401k from another previous employer several years ago) which I use with an Edward Jones retirement strategist to help it grow over the next 20+ years. 

To answer your questions there is several routes / strategies to get deals.