@Josh Norris,There are a lot of people still doing owner finance until next year, and most will set back and see how the DF act will play out.

I played credit card games to get me by and suffered my own mini recession and market crash much like the Wall St. crash a few years ago.

Since filing against the squatter appears to only bring retaliation lawsuits on an un-level playing field.

I guess I'll just play around in TurboTax see if I can't answer all my questions.So, I see how if primary residence then all improvements, even those after conversion date, go into your cost basis and are non-deductible.But what if I did it the other way, started as a rental, completely remodeled and deducted all those costs, then converted it to a primary residence?

As I get my real estate investing lined out, I've been playing with the idea of buying a couple of trucks if I ever have a little cash to throw around in the near future.

I've worked with some really successful commercial investors and some of the most interesting are those guys who simply have the chutzpah to go out, find deals, work their way into something and find themselves in the middle of great long-term plays.

Bottom line, you may be wasting your time playing with those pools.

PossiblyAs a broker though I would put my time on the credible buyers that have cash to play.

I've been wanting to play, and it's on my action plan for 2014!

This comes into play when a bank gets the property and it sits while the foreclosure is drawn-out.