I believe we will need to increase interest rates, which will have an impact on borrowers as well as others cost of capital which should drive the current note pricing down.NPLs vs. performing pricing? 

Setting up a MLS listing (although one with certain criteria - requires a concierge level service) is minimal time; but driving to see property (DFW is not a small city) takes time with pre-research, scheduling time with you, post-research, etc.

it would be strange for someone to forego HOA and keep making mortgage payments if they are in the deep..  

If we want a condo moved here right now, it means a deep discount. 

Its a very similar situation that happened to my son (19 year old) when he got in too deep on a flip and ended up selling before he finished.  

Inflation is real and will chip away at the value of your savings (really impressive to have done that while in college) and continue to drive up prices.

If you are willing to rent out a room, you could in theory drive down you monthly living expenses further.Best of luck,John

They unplugged the fridge and deep freezer before leaving, leaving me a rotting, maggot filled freezer.

In addition to educating the VA loan specialist you're working with, try driving the fact home that YOU are ultimately responsible for mortgage fraud.Best of Luck

I'm looking to hire driving for dollars drivers.