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I'm pretty well rounded in this department (I practically built my own home), unlike many property managers that don't even know how to change a light bulb.

To answer your specific question, property taxes and insurance ARE part of the operating expenses.Operating expenses do NOT include Principal and Interest, capital expenses, or depreciation, (although in reality you should consider an allowance for capital expenses in your cash flow analysis).From a practical standpoint, you subtract the mortgage payment (P &I) from the NOI to get your monthly cash flow.

Also for generic use there is a “what’s missing calculator” at Hugh’s calculators (http://www.hughchou.org/calc/missing.cgi) that you can use to give you a good idea—for specifics you talk to your loan person.Using your number of list at 310000 and a particular online calculator, I input your loan at 310000, 12 payments a year, 8% interest (combo of 6.9 and 9.9 and is probably way off) and 360 payments (30 year loan) and got a monthly payment of $2274.68 for principal and interest.

In practice, however, the self-interests of the cherry picking few are in conflict with the folks who simply want to get back on track and save their homes.

Tell me what county/state the property is in and I will tell you how to look up the title on line...the borrower's name will be on the title and then perhaps you can locate him/her with a reverse address lookup...Regards,Scott Miller

Theorectically any time you buy or sell a house you could be involved with a lawsuit, but to say oh don't buy houses because you could end up in court if so and so happens just is not practical advice.I have never heard of someone refusing to sell when there is an option, and not that it isn't something to process, but to conclude that sandwich options are a VERY RISKY investment because of this possibility seems kind of unfounded.There are risks involved with all investments and adequately and accurately assessing those risks versus the rewards is key to success in any endeavor.

I've researched the property on-line and neither was listed as a prior lender.This all new to me, so any information is helpful.

But as a practical matter they need to start packing.all cash

Put online ads on Craigslist and Backpage for the city you want to invest in.