I've lost out on a 10K under offer (embarrassing attempt for here in Denver), a cash offer of 6K over, and a 25K over with escalation clause.

I took my time with it and passed the state exam on the first attempt.

I would recommend that the OP spend time gaining knowledge of any investment field he is interested in before attempting to speculate with his money.  

hi, I'm a new guy in this business but first,what's ur advice  or doing on how not to do down payment in a creative way on a first attempt on a housing?

Some people may be jerks about your age, others will appreciate your honest attempt to create a successful future for yourself and be great resources for you.

Or are you attempting to circumvent community regulations on 55 + ownershipI think they would be better off just selling at market without your involvement.

I fully intend on attempting to buy it, however I won't be able to do that until January when I can file my taxes again (financing issue) and call me pessimistic but I'm going to assume he isn't ready to sell or wants too much and prepare for the worst.

The unsold items remain in the house.So, it looks like the owner's family has pretty much abandoned any attempt to further liquidate the estate (probably figured there'd be no value due to the HECM).Does anyone know who one might contact at the lender (BoA) to see about perhaps buying the home?

"The Federal Bankruptcy Court is an accomplice and should be held accountable along with the plaintiff in an "attempted financial homicide" against me as a landlord.

Once I started demo I learned alot about old houses and poor previous attempts at renovating.