If you're doing cash for keys it's gotta be a counter vs your initial offer...

What's the bet that you're paying a much higher interest rate on that car loan (for what is essentially a consumable item) than if you'd bought it with proceeds from a HELOC on a property that you (could have) wisely bought first?

People don't want to get sales calls at home.A better bet might be to do some mailing. 

Your best bet might be family and friends.

@Darrell Bratton HUD, like most gov’t related reo’s have an initial period where only owner occupants can offer, the first 21 days I believe.  

135K, plus closing, plus at least 45K in rehab (has foundation problems, needs new roof, is built in 1982...willing to bet 45K+ plus required)...with an ARV of maybe 200K?

@Davinder Hans BP is a great place to get initial info but would definitely check with Zoning before purchasing anything.

They initially listed the property at 1.8m in 2017.

I got pre approved with a lender that requires seasoning but since I already have gone through the initial hard credit inquiry I believe There Is a 3 month time frame when I can “shop” around for other lenders without triggering a secondary hard credit inquiry is this correct or does this vary through the lender as well?

my initial thought is to only cash out 50-60k to keep my loan to a minimum, and hopefully pay it off quicker.