The thing I appreciate most about this photo is that the previous owner was very conscientious about always putting the toilet paper on the toilet paper holder – he's not the type of guy to leave a toilet paper roll sitting on the vanity top

I could use some help on the insurance, taxes, water/sewer, and any other fixed costs but I'm going to use $75 per month as a place holder on insurance, 70 for taxes and $35 on water.

But, if you are detail oriented and able to follow instructions to the letter; andeducate yourself about little tricks like "who is the borrower, exactly" and acceptable hardship reasons, and things like the borrower can have up to 3  months of living expenses in bank accounts and not be asked to bring it to closing, and 2nd lien holders will almost always release their liens for the token $3,000 the first lienholder will let them have at closing, etc. andkeep in mind the bank's goal is to avoid the  uncertainty of a foreclosure but still make approximately the same money as they would with a foreclosure (after deducting foreclosure and holding expenses and discounting to present value)then you can do your own short sales. 

You're asking for trouble screwing with title on a pre-foreclosure, after foreclosure the lien holder has it, there is no ability to transfer title by the past owner. 

Nobody wants to sit down at a dinner table with randoms, but bar-top with food cooking, tv playing, its a great social place for them.  

She pulled strings that I couldn't as a license holder.

Hi @Bob Malecki,I have a completely unorthodox possible solution. ...unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss.What if you are the note-holder were to give them written notice that you are no longer requiring them to have HOI?

For example, some lenders don't allow 2nd lien-holders, which really sucks if you have a private lender who would fund your down payment.  

Only lien/judgment holders that were named/served in the suit would be wiped out.

But be careful not to over improve either, if you have expensive taste try to keep in in check, a slightly used $400 refrigerator keeps food just as cold as a $1,500 one.