The Servicer has respond within 30 days of the request for relief.  

Which is a total pain because people will call and ask and then you can tell them no so long as that is not a protected class where you are.

The fha route is a pain with all the red tape but is great for the low down payment and some level of hand holding that comes with it in case you aren't a well seasoned, super handy investor with lots of tradesmen contacts.

With that said, I am willing to branch out to areas of NY and PA in search of some deals that provide me with positive cash flow.

I feel your pain with the  commute. 

Or, it may just be too much pain for too little gain.

I know my family and they can be a pain in the ***.My first Contract for Deed has just started with my Best Friends younger brother.  

I can't imagine how much of a pain it would be if I had waited. 

What a relief! 

It would pain me to see the Governor allowing the Chinese or other foreigners to take the land for their own use.