. +1 Walmart  Though can also try for some online shopping sites as well.

Not sure about multi family but there is a lot of regentrification going on in those areas, but it is still spotty and a mixed bag of tenants and populous.

@Daniel Paloscio, I like the angle of putting the delinquency in with a bag of other issues to protect a person's pride and perhaps create more willingness on their part to get in touch with your company.

Hello BP,I recently came across some derelict properties in the Delridge neighborhood of Seattle and was able to (with the help of the owner of a nearby shop) track down the owner, who said that they were actually selling 3 adjacent lots.

Choosing the best HML for you is best done by shopping around - BP has a list of HMLs serving Virginia (we are among them, I am happy to make an introduction to our team). 

Also we insure from the day of possession so if that is still an issue then shop it around today.  

A Broker will have the ability to basically shop many different banks for you.  

I would encourage you to shop around for a HELOC.  

The second group is a mixed bag- they aren't planners, or something fell through, or they just weren't aware that they needed to be looking sooner. 

It's a win-win all the way across, and again even if things cost a little bit more it's the right thing to do.I also don't think most potential renters really shop or have the electric bill at top of mind as they apartment hunt, and thus you really find out what the bill is on the back end after you move in, sometimes to pretty a hefty bill.Of course I have bias given that I own an energy efficient lighting manufacturing company, and have otherwise been in solar and lighting for ten years, but the business and ROI numbers speak for themselves and that's why I got into it in the first place.