The list comes out at least 30 days before the sale and the owners have opportunities to pay off the debt anytime in those 30 days. 

Not aware of a lender that will allow a rookie to do this.Recommend either starting smaller and working your way up to this or partnering with someone you can learn from that can be your lead with lenders, etc.

A realtor who understands the numbers can help analyze the property’s projected cash flow and ROI, plus they might know local leads from probate attorneys or even “drive for dollars” efforts that can reveal off market gems.

However, that will likely lead to increased turnover and increased vacancy time in between tenants.

The ads probably relate to a well known GURU on YouTube who convinces people to spend $12,000 to join his "community" and to send him leads.

I profusely apologize for leading you astray with my irresponsible and reckless advice, as per Mr.

The problem is, that's not proper accounting because a credit card is a liability, and doing this workaround will reduce your assets rather than increase your liabilities, which totally messes up your balance sheet and debt-to-income ratios.  

This leads to state funded insurance which will be very costly because only those at highest risk will participate in it and if the losses continue, they eventually will need to get the money from someone (rest of people in california?) 

Sub-to is an army of poor ignorant being lead by a handful of savvy opportunists.

That is the issue I am having now as my wife and I have great paying jobs and just cleared all our debt.