Use an online payment service.

I am also emailing or calling the contacts of FSBO listings I find online or in the papers.

You can find a downloadable HUD1 online to fill out.

The long shelf life appeals to me.I looked online for feedback on this food and didn't see any.

It was not even 1 second online, so I assume this was an automatic filter from craigslist because it usually takes 10-15 minutes until an an is visible to users.Somewhere I read that too many links in an ad can cause this - which might why the generic ads stay.

It's usually a bank statement, a letter from your bank or a screenshot from your online banking page.What you are talking about is a pre-qualification or pre-approval letter from a lender (regardless of what they call it), and is used when making financed offers on property.If you try making a cash offer using this fake "POF," you'll find that most of the time, the seller will disregard your offer or make you change it to financed.Now, to answer your question, if you make a financed offer, it shouldn't matter whether you change the lender in the middle of the process, so long as the original lender (the one that provided the "POF") is a viable option should the new lender not be able to provide the funds.The key is, you need to be able to follow through on whatever you're telling the seller -- if you tell the seller it's a cash deal, you need to be able to follow-through with cash (and prove you have it); in this case, if you're telling the seller you are approved for financing, you need to be able to follow-through by getting financing, regardless of who the lender is.

I bet his Dad could qualify for a streamlined HARP program loan through his current lender with minimal documentation, no appraisal and minimal loan fees.

Check online ads and Craigslist for area homes.

Your best bet is to make 10-20 offers and be satisfied if any of those offers come to fruition.

Underwriters (and appraisers) will want to see improvements that substantiate the price increase, and if you didn't do any work, you won't be able to provide that.In these cases, an end-buyer with cash is your best bet...