I talked to my CU and I would be able to refinance out of my FHA since I bought my house with a discount and it has appreciated.

( some occupations pay really well and are very secure...so they tend to not need to sell at a discount) (others like salespeople may have come on hard times)5. do you know if any of them registered at a payday site in the last 60 days?

You could go inland to the IE, buy seriously distressed at a discount, put a lot down, and/or house hack it, etc. to make the cash flow work out better, but I don't think it is necessarily the optimal strategy for today (I could be wrong) and I've been more of a holder or seller than a buyer of these as of late.

Turn key companies are in the business of buying distressed properties at a discount and reselling them to (mostly out of state) "investors" ... by the time you get the property, a wholesaler, contractors, real estate agents, the turnkey company, the hard money lender, out of state marketers, and the PM have already gotten or will get paid on the deal ... that is a lot of middle men getting paid, and who do you suppose pays for all those markups?

ask for a bigger discount!

The sellers can see the market is on fire and they are not wanting to sell at a discount.

Try:Lima OneTry:  lendingoneTry :  LendinghomeTry ; Cogo capitalTry: PeakI know Peak has a non recourse product at 50 to 60% LTV with 8 to 10 points and 8 to 9% interestI feel what your going through I was in the same boat from 2009 to 2011  when we had to disgourge a bunch of real estate and my tax returns were deep in the red..

I am taking a risk so i need a discount. 

Learn how to calculate discounted notes. 

I don't promise any discounts.