These methods ensure that you're never paying if you're not getting value (or that you can immediately stop paying should you stop getting value), and in my book, that's a perfectly reasonable method of charging for any service.The analogy I like to use is, "Would you consider it reasonable for a restaurant to charge upfront for 10 meals before you've had an opportunity to try the food."  

Sounds like perfect timing!

Your picture now is perfect!

If say the last two years are perfectly clean as far as charge offs I would focus all my money and effort on making sure I have a positive history going forward(your secure cards, cd secure loans, savings secured loans etc).  

Perfect timing! 

I've never heard that it is illegal to advertise wholesale deals online...IF you are a realtor then your local MLS and your state will have specific rules and laws about what disclosures you must make to sellers as well as buyers, but it is still perfectly legal as far as I know.

Real estate is a great gift to give your self -I notice a slow down in RE transactions around this time of the year, making the perfect time to look @ properties.Well done sir!

It's not necessarily the best property but the best situation that fits.For example, ideally you'd have a perfect property requiring virtually no repairs, just vacuuming perhaps, and plenty of time for you to find a buyer after you've tied up the deal.You are actually using your skills as a negotiator to assure the seller that you have the ability to close and solve the problem(s) that they see as most important within the timeframe that's agreed upon.Truth be told, most abandoned properties have combinations of both people and property problems.

The difference between the amateur and a professional is that the professional does the basic to perfection and the armature overlooks at the basics."

Since the mortgage is perfected (meaning recorded) it fair to assume that you could have found it had you looked properly.