I want a clean slate as fast as I can and sometimes I overdue it and then have nothing left for me.  

Just continue to extend the closing until the property is cleaned out appropriately.

I showed the lender, enough fund for upto 30% down payment.I also offered to show regular income that will make the monthly payments.but he has refused all that. just sticking to "we want 50%+ owner occupancy ratio"

Of course, there are pay services that you can take advantage of, but I did all of mine for free.Be sure to check out commission-free ETFs (FutureAdvisor will give you these once you go through and analysis).I'm not a professional investor, just a regular guy looking to carve his own path.Good luck and let me know if you need any thing else.www.futureadvisor.comwww.etfdb.com (good research site)www.tdameritrade.comwww.etrade.comwww.scottrade.comJason

Jessica Hood, advertising, self promotion and deal making are not allowed in our regular forums.

I'm also so grateful you mentioned how flexible real estate is, and therefore a good career for people with kids, because this is a great reminder that if I went back to a regular job, I will most likely not have this kind of flexibility.  

Banks are limited and Quicken loans backs out of the deal at the 11th hour, trust me, I refuse to accept an offer with a QL and it's the regular buzz in the office that 'another deal fell through.'  

From there the conversation will be off the cuff and you will have to listen to gather the info you need, ask questions about the house, make comments, become an associate of theirs on a regular info gathering/sharing phone call.

So it is not a fee.Oral agreement does carry some weight in Texas, so I regularly emphasis to people I come to contact that nothing is firm unless it is written and agreed to.  

If you plan to bid on any of the house at the auction, make sure you do a little research first to make sure that the house has a clean title.