@Amr Makki  having done this for quite some time  ( past life and prior to anti skimming laws being passed on the west coast)  I found that when this first happens to borrowers they are in major denial... and are NOT motivated to do anything.. they then as you say get bombarded with letters .. after reading about 50 of those they realize the verbiage in many is literally verbatim the same and they tune out the direct mail folks.. ( now you can get some response but its going to be as you know sheer luck)The way to land these is just wait until about 10 days before the sale and if nothing has happened then you pound on the door and start to get reporte' they probably will still be in denial.. the best deals are made 1 to 3 days before they lose it... you cannot believe how many will actually wait to the day before the sale.. that's when I got my very best deals.if it has an opening bid and its the day before my team is pounding on the door.my driver is ready to drive cashiers check to trustee and we record our deed that day.if you want the screaming deals that how its done.  

If you have an older house you want to be sure that the bath fixtures are current with anti-scald and the water heater is set to the correct temperature.

There are crappy licensees and worthless, anti-education lead generators who call themselves wholesalers or investors when their efforts only cause more chaos.

Steady, now.Painting wood floors is not necessarily somehow anti-historical, and would not necessarily be inappropriate.  

If I am feeling anti-social, I look for a few things to get myself warmed up: someone who appears to have a similar personality to me, someone who looks new, or someone who looks more uncomfortable than I am.

But to this day no one who is anti wholesaler has been able to explain how being a licensed real estate agent makes it ok to be shady.

Over $400k, for some contrast, I can (& do) default to waving all lender points/fees.CFPB/Dodd-Frank is set up to benefit those borrowing larger sums of money at the expense of those borrowing little, Congress was on crack when they wrote it and should have been subject to their very own "zero tolerance" anti-drug policies.

Bonus Answer: FHA loans have an “anti flipping” mandate that states the property has to be owned by the flipper for at least 90 days before it can be sold.

I have property in several states now and for that reason my usual a-political self has become more attuned to anti- landlord state/local legislation.  

I recently contracted a landscaping company to do a complete overhaul at my rental. Today, the tenant contacts me unhappy that they were using Round-Up as it contains glyphosate. Trying to reassure her, I sent her lin...