Pop 10,000, college town, property taxes 2% avg. and officially partner with my brother and Dad - which I don't want to do based on other horror stories. b) Buy and hold out of state after establishing trustworthy relationships within the next several months (Lexington/Louisville KY, Greensboro/Charlotte NC- all areas unknown to me but mainly bc I like those areas).

  So, it is official...

check the county clerk official records look under the owner's name and filter by legal description. 

I’ve only had one official Job (not under the table) and I️ no longer have I️t.

Asking is not official, you need to get an attorney and move these folks out through the proper channels and move on take the loss - cut it earlier than later - 

Another point as to why a bank would be holding these nonperforming assets and not foreclosing is the risk exposure that is opened up to having an REO on the books, and therefore the official owner and needing to do keep up with property preservation.

I have also used @David Lilley approach to tell many lenders my credit score to see what they can quote and once I select the best 2-3 lender then I officially apply and let them run my credit score.

Its on a FAR BAR Contract provided by me.Also contract states in section IIPurchase Price: 160,000PaymentOther: Buyer to take over reminder of loan and payoff costs to close free and clear.Balance to close by cash, wire transfer or LOCAL DRAWN cashiers or official bank checks, subject to adjustments or prorations .......................

The only reason I can think of this has worked for me before is because Fannie is so slow on paperwork that after accepting the winning bid it takes forever to officially go under contract-- they are obligated to consider other offers in the meantime.

Derek, I began a year older than you, not my official beginning investing date, but started in the RE arena.At 18 I started a carpet company, ran it out of my garage of my house.