I've done a few deals with seller financing on commercial loans to effectively reduce the downpayment to less than 20%, so shop around with local banks in that area.  

THAT'S how you use those loans effectively!

I would want the contact name, address, property address and Decedent's blame at absolute minimum.

All you need to know is that the Fed's target rate is vastly important to the global financial system, and it has far-reaching effects on all manner of interest rates.

Any thoughts on the effects of this program in the Indy market?  

Actions such as:  look in the mailbox or ask the letter carrier; ask the neighbours;try "Googling" the address;have all been very helpful to me in finding owners.

I've been as nice as possible up until this point, but its time for me to address issues with this tenant.

If the FED does what is says and slowly moves rates, this will have little to no effect on the mortgage industry, at least for the near term.  

I would like to provide insight on how to effectively birddog when getting started and facing similiar challenges.Here's an example of some of the topics:What is birddoggingWhy choose birddoggingHow can birddogging help me get started as an investorWhat do you need to start birddogging (Contracts, Closings, Negotiations)What are the steps you need to take in order to get started and be successfulMarketing TechniquesNetworking Techniques (How to find a Mentor)Goal SettingPlease let me know if there is a topic a Newbie have to know that I may have overlooked.

I think that you will find that almost anything that you want to know about is addressed somewhere within the resources available at BP.