off market (non mls) pocket listings But investors will want a deal,  where the values make sense :) 

@Harley Jean-Jacquesas a non licensed individual I would1.

@Russell Brazil But wouldn't a Mortgage broker be acting as a middle man and collect a finder's fee, whereas going with a direct lender, this fee is "non-existent" since we are going straight to the source?

They were in debt with their bank with about two years of non payments.

For investiment multi-unit properties (non-owner occupied), you will look at the very least 25% down.

Yes, it is possible to get a HELOC on a non owner occupied investment property.

@Bill Gulley what's a reasonable number of transactions for you to consider someone a non-newbie or an expert?  

Another opportunity to consider is the loan being recourse or non-recourse.5.

Loans are non-recourse.

I have read many posts on HOA NOD, NOD Liens and Notice of Trustee Sales, but haven't still seen a definite clear answer to my potential investment on a HOA Non-Judicial Judgement in California NOTS.