@Jourdan Mercer a W-9 will give you the information that you need to fill out a 1099 to send them (name or company name, address, tax status, SSN or EIN).

Not sure what your goal is but before you start messing with homeowners in default (regardless of what stage), you might want to read up on the foreclosure laws in the state you are trying to do business in.

My in laws lost their entire retirement savings because their underwriting was too aggressive and they bought several properties most of which ended up with negative cash flow.I am not against refinancing or using a HELOC to buy a property, but The market right now is a property will give you close to zero cash flow (80% down) then you’ll need to come up with another $750 a month to pay down the HELOC and come up with probably another 5-10k in reserves in case the furnace breaks or tenants trash your house or…   Without knowing your financially situation, You are probably better off getting a second job for a year or two to save up for a downpayment then using a Heloc.

By law I have to disclose that I'm a licensed sales agent in Virginia, but there's no commitment. 

Usually, these are tied to your paycheck too which makes the payback simple as long as you are working at that company during the entire payback period. 

Of course, you should have a local attorney look it over to make sure it's in compliance with the laws in your state/municipality. 

There are a couple of "elite" property management companies in Memphis.Multifamily: I scan the market quarterly to keep an "eye" on things. there was a 22 unit in a desirable location for +2m and a 64 unit for +6m.

Once my new management company took over, they inspected the property and noticed the ceiling of one of units was caving in due to a leak from the upper floor.

The first one who told me this over a beer at a Xmas party in a rare moment was the owner/founder of the global multi billion $ company I used to work for.

That’s what I have learned, I’ll send you a connection request and also the details of someone who is providing me these of market deals from a company called new western.