The area is ok (below middle class but not exactly the slums either) .

I have a client with a 610/620 Middle credit score.

It is pretty much smack in the middle of the state.

There are lots of engineers and oil company employees from India and from the middle east, along with Asians, white people, African-Americans, and Latinos.  

I'm in the middle of a cash out refi currently.

The broker will probably negotiate a smaller lump sum upfront and then ongoing payments.It's a dance between divided interests for both sides to meet in the middle.

You are dealing with some middle person trying to look like the Owner.  

If you want to remove the piece from the cement, make sure the inside of the post is fairly clean and not filled w/ rust and dirt, then with a chisel, (or power chipping hammer) "GENTLY" fold the old post into the hole in the middle, it should loosen up and be able to be pulled out.

One source does ask for POF and an NCND, but I don't think that is cause to dismiss the source.If you choose to pursue this, you will soon learn that this gobbledegook is indeed a warning flag you're just dealing with some "broker joker" as @Dion DePaoli describes them.If you're really thinking you're going to get in the middle of one of these deals and collect a 3% commission off a $10 million package you're just wasting time that could be spent doing something that might actually make money.I do know of at least one group who really does buy small REO packages. 

We are completely responsible for all maintenance, pay full homeowner's insurance (i.e. as if our "condo" was a true free standing home), have no access to a common area (which is an island of grass in the middle of the complex) and do not benefit from snow removal/lawn care or other common interests to the actual condo community.