I am currently looking for a trustworthy and accurate lead generator.

Have to make sure you get the accurate taxes and factor that in. 

Let's say it's $100.Your contract would declare that, should you should fail to perform, you would forfeit your earnest money.

There are a few different moves on this deal not sure yet if any, maybe try to buy the non performing note.

How to find an accurate value....1.

I have all the current owners expenses (tenants pay their own electric), so I know those are accurate.  

Either I take it on or the lender does.In short term deals I've performed with an AUD lender, I accepted the risk of currency fluctuation and it was written into the lending contract that they were to receive their base AUD amount plus interest as agreed, regardless of any currency fluctuation.  

Make sure all of the numbers are accurate, and more importantly, verified.

You would probably do the best to start in performing mortgage notes where you act as the bank.  

Did some research on my own and found according to the fair credit reporting act unless they can show a charge as accurate, complete and verified the disputed charge has to be removed.