You are spot on about being consistent - called on Friday and they said they were on board, so we mailed him a P&S (he doesn't have internet/email/cell phone) and emailed one to the spouse. 

Frankly, I am old enough that books were all there was at the time (before cell phones).

I've seen too many listings where the agent looked like they threw darts at the board when deciding on a price and then proceed to list a home with 6 bad cellphone pictures with people and pets in the background and then wonder why the house hasn't had any action in 4 weeks on the market. 

Local to me there's a regional bank doing stated income and no appraisal HELOCs @ 75% CLTV or $100k, whichever is less.

First and most importantly is a thorough education on whichever market you have chosen.

However, if the foreclosing bank is the high bidder, they only have to pay 1% of the original mtg, or 12 months of dues, whichever is less.

I guess I'll have to wait for whichever comes first.

I can see scenarios in which I wholesale or rehab whichever is appropriate, while looking to build towards rentals. 

Track your spending and try cutting as much fat as possible like starbucks, booze, work lunches out, dinners out, lower cell phone, plans, get rid of cable, etc. and pay down all your debt.

It may be different on a pc vs a cell phone.