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Door-to-Door Baybeh

August 28th, 2010
Silver balls
Image by play4smee via Flickr

So I’ve completed my tour of door-to-door knocking in Champaign…for now.  I hit up 33 homes in 3 days.  I got to most of the pre-foreclosure list today (Saturday), as the previous two days…I limited myself to the after-work hours to door-knock.  Which was typically between 5pm and 8pm.  I don’t know if that’s the correct logic…as most homeowners in distress may not be working anyway.

But so far, I’ve got some interesting results to share…however I’m going to wait until the dust settles a bit before I share the results with my Exclusive Members.  There are just a few more procedures that I have to complete.  Then, I’ll share it all…including my new Brass-Balls tactic.

So I’ve been winning small-battles lately.  Today I got over the fear of approaching homeowners when they’re outside in their yard.  Most homeowners, overall, aren’t as pissed as I thought they’d be.  I think a part of it has something to do with wearing a shirt and tie versus appearing like “Joe the Plumber”.  One guy today thought I was from his bank.  Most ebooks and Courses will tell you to dress-down.  However, most of those authors don’t have to overcome the fact of being a random black-guy, unannounced on someones door-step…just keeping it real…as always.

I was asked on Facebook what eBook I used as a guide for this door-knocking.  Here’s the link to Jason Lucchesi’s blog, I watched the video in the link of him and Nathan Jurewicz and I believe the opt-in link for the eBook and PowerPoint I used is disclosed in that video.

A positive I noticed today is that while doing all of that damn driving from house to house…you are by default “Driving for Dollars” too.  I was able to take down quite a few addresses of houses that caught my eye.

- I’m out, got work to do

P.S.
I figured out a new trick. When working and you don’t feel like doing anymore, take a break from what you’re doing but still do something that is constructive.  Like in a few minutes, I’m going to get signed up with TubeMogul…tedious stuff…there are like 25 different syndicate sites to sign-up for…all individually.

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Driving for Dollars, Short Sale , , ,

Brass Balls

August 26th, 2010

I’ve door-knocked for short-sales for two days now.  And honestly after getting that first one out of the way…it isn’t that bad (ok, ok, you got me…I couldn’t keep a straight face while even typing that…it still sucks…but it just sucks a little bit less now).  But I now have a better feel for the approach on these things after some practice.

For the homeowners’ that actually answered the door when I showed up, all of them said that they were in the middle of working a loan-mod.  Now that I know that loan-mod’s aren’t always approved, I now know I should inquire what the plan is in the instance that the loan-mod fell through.

I can’t lie…I’m getting good at this mayne!  However, call me weird…but I still feel odd approaching the homeowner if I see them outside of their house doing yardwork….or better yet, if I see like 4 cars in the driveway it feel awkward.  Can you imagine entertaining company and I show up?!  LOL.

So, I was chatting with a wholesaler in Saint Louis about a month ago…and he spilled the beans on a technique that he uses to get in touch with homeowners that are hard to track down.  It takes someone with brass-balls to pull this off…and I’m that dude…I’m past the point-of-no-return!  So as of yesterday, I decided to implement that technique myself.  I’m going to do it for the folks on my foreclosure list that weren’t home or just plain don’t answer the door (yes, some folks make it obvious that they’re not going to answer the door, while you can tell they’re at home).  I’m going to keep it under-wraps here publicly…but if you sign-up for access to my Exclusive Content, I’ll share it within the next few days.  And I tell you what…I’ll even throw-in the script that I’ve been using on these door-knocking short-sale adventures.  So sign-up for the free goods.

Thus far, I haven’t had any horror stories associated with door-knocking.  But this episode was the worst thus-far:

Door-Knocking Audio

This guy, literally didn’t look me in the eye at all when he came to the door.  I think he was more nervous than I ever was.  Oh well.  Hopefully he responds to the follow-up letter I send.

Just in case you didn’t see yet (on facebook) how nervous I was before my very first door-knocking episode, you can check it out here:

On a positive note, I have a short-sale going right now in Champaign.  This lady fell on hard times and has already moved away.  So the property is vacant.  I thought about doing a home-tender arrangement, but it may not be necessary.  Because the property was listed for only 3 days and I have a buyer in place already!  The following is an email from my Realtor:

Justin,

Wow, this one was much more popular than I expected.  This is the most and fastest activity I have had on a listing all year.

C’mon son…all year!  I’m almost kicking myself because I think I priced it too low.  However, I priced it to find a cash buyer in less than 30 days and…I did.  So no need to be greedy.  All I need now is for the bank to play ball.  If they do…awesome.  If they don’t hopefully…this door-knocking will get me some more.  So it’s all to the G-mo.

- Peace Out

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Driving for Dollars, Short Sale , , ,

WTF! Wednesday v8

August 25th, 2010
Inmate Caller ID
Image by Brian Teutsch via Flickr

So I’ve been doing my short-saling lately in effort to get more short-sales underway.  The more the better, as I don’t think anyone has a 100% success rate with these.  So yesterday, I decided to follow-up with a short-sale prospect from last winter.

This lady back in December was gung-ho about moving forward with the short-sale and then when it came time to sign the contracts she stopped answering my calls.  Then when I finally got in touch with her by about February, she said that she wanted to hold-off because she felt like she was going to get current with her payments.  Since she had gone through cycles of getting behind a few months and catching up, I didn’t doubt her (too much).

So I talked with her yesterday and asked her how everything was going, because I had spontaneously remembered that the bank was scheduled to foreclose in late summer, but I didn’t have the exact date.  When we start talking I ask her how she had been and everything…and asked if she got her house situation taken care of.  She told me that she didn’t and she ended up losing it…she got foreclosed-on about two weeks ago.  She then said, “I should’ve called you“.  This case was unfortunate.  I mean…I used to blow her phone UP…It was obvious that she was screening my calls.  I just imagined her eating a bag of Doritos on the couch with a jug of Kool-Aid…watching Maury…the phone would ring…she leans over and looks at the caller-id…she’d yell to her kids “LET IT RING!”.  I guess you can’t help someone if they don’t want to be helped.

And for the future, if I find someone in that situation again, I should probably add a contract addendum that states the homeowner can nullify the contract if the mortgage is brought current.  That way, I can still get the contract and move forward.  Oh well, I learned from it, and now I know for next time.

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Driving for Dollars, Short Sale , , ,

Wells Fargo Short Sale…Moving Quickly?

August 19th, 2010
SAN FRANCISCO - JANUARY 20:  A Wells Fargo cus...

Image by Getty Images via @daylife

I just got off the phone with Wells Fargo and I must say that I’m kind of surprised at the quick pace of this short-sale.  I submitted the package in full just one week ago.  So, I called in today to confirm their receipt of my authorization-to-release information letter…and these tricks said, “we don’t have one on file”.  So, I was like…here we go.  I told them I sent it in twice (to the dedicated fax number for authorization-to-release info docs).  The call-center guy goes on to say, “I see the one you sent, but the print is to light…you need to submit it again and make sure it’s darker…I can give you the number to the short-sale department, but you’ll need to re-fax and check back after 48 hours.

Then I remembered that I also included the authorization letter in my short-sale packet fax.  So, I call up the short-sale department and they received it just fine.  I was like…I’ll be damned.  I’m going to start doing that from now on.  Just send it to both departments.  So, I’m speaking with the call-center gal in the short-sale department and she tells me that they received the SS package and that at this time they don’t need anything else from me.  “WOW” I thought to myself.  She then went on to tell me that the BPO should be ordered within the next 7 days.  “WOW” again.  Maybe the third time is a charm…we’ll see.  Or maybe the first two Short-sale’s would’ve moved just as fast had I submitted (more than) everything they required from the first Fax.  That’s probably the real answer.  A BPO in two weeks versus a BPO in like eight weeks last time is lighting fast.  I now need to rush to find a BPO agent…and I still need to find a Home-Tender for the place.  Has anyone ever used a Home-Tender?  Or been one themselves.  A Home-Tender being someone to occupy the house during the Short-Sale.  Gives it a better lived-in look for showings and reduces vandalism and such.  There wouldn’t be a lease involved, but you can also charge a Home-Tender for their stay and make a few bucks on the side.

On a different note, the lady who’s houses I got under (option) contract for $500…has been harassing me as of two days ago.  She left me a few voicemails saying “I’m unprofessional”…”she’s starting to get pissed off”…etcetera etcetera.  She’s mad because I haven’t been calling her every few days to give her a progress report or something.  The option was for 60 days and this is only like the 45th day.  I mean I could’ve communicated with her more, but I wasn’t obligated to.  Besides, I found that you can’t GIVE those houses away.

1) They’re in the hood
2) They need way too much work
3) They’re tax delinquent
4) The taxes in that neighborhood are sky high

So, of course I didn’t know all of these facts before I put the option on them.  But isn’t that what options are for?  Plus, Lawrence (my mentor) told me to get them listed.  Trying to find an agent that worked that area was ridiculously difficult.  Then when I did find one, all of the back taxes, plus the (reduced) commission, plus the house, etc. was too much for anyone to want to buy.  So long story-short…I mailed the lady her keys back yesterday.  And I sent a nice little letter explaining to her why I was doing so.  It was very professional letter.  But really….my feelings were…”good luck getting rid of those pieces of shit…your best bet is to let them go to tax sale.”  Besides, I don’t have time for disgruntled people.  Those folks get cut out of my life real quick.

I’m going to head to Champaign in the next few days and I’m going to do something that I’ve hesitated to do for a long time.  And it’s something that most people are scared to do as well.  But, I hear it is HIGHLY effective.  Don’t worry, I’ll let you know how it goes…and I’ll have video too.

Peace Out

P.S.
Operation “Train for Chicago Monster“, isn’t going so well.  I’ve been running, but I haven’t been eating right.  I need to get on that.  I’m also supposed to be strength training…haven’t done any of that.  But, I’ma get on it.  I’m also going to get some ab straps.  I highly suggest these things if you’re trying to work your core.  Hurts like a bitch, but  I used these religiously at the gym last winter…and I was something like an action-figure… not so much the case anymore.  I’ll get it back…

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Driving for Dollars, Short Sale , , ,

This shouldn’t be free…I think

August 12th, 2010
LOS ANGELES, CA - DECEMBER 12:  TV personaliti...

I skipped WTF Wednesday this week and I have got some short-sale stuff to talk about tonight.  But before I begin, did you know that they shot the 3rd season of Jersey Shore already?  I mean really?!  Really (said with SNL sarcasm).  MTV…Really!? The 2nd season was shot in Miami and the 3rd season is back in Jersey.  I mean aren’t they going to run out of stuff to do?  Sounds like a classic case of deja vu.  Anyway, don’t get me wrong…that show is soooo entertaining.  Fake tans, hair gel, hook-ups, and fist fights.  I mean does it get any more entertaining than that?  It’s almost ashamed to say I’m a fan of that show.  But, to know that a lot of Italian-American’s despise that show…makes me grin a little bit inside to be honest.  Because, now they know first-hand how a lot of black folks feel about a lot of shows on BET and UPN.  Embarrassing ain’t it?

But anywho, back to making money.  So, I just submitted the 34 page fax for the short-sale package that I picked up a few days ago.  I’m starting to really understand this whole short-sale game, I should since this is the 3rd go-round.  Also, this homeowner is much more cooperative than the other two, which is a huge plus.  It wasn’t like pulling teeth when asking for information and documentation.  This house is mortgaged by Wells Fargo.  I called them up and asked what they required.  They said:

-Financial Worksheet (signed with loan #)

- Hardship Letter

- Copies of paycheck stubs (last 30 days)

- If unemployed – copies of benefits

- copy of 2009 Tax Returns

- Copy of listing agreement

- Copy of Purchase Agreement

- Copy of Pre-lim HUD

- Copy of POF

This house is in Champaign and the owner is moving to Ohio.  And she’s moving out in less than two weeks.  Since this house will be vacant during the entire short-sale period, I’m going to take a new approach so that it’s less likely to get vandalized like last time.  This new approach is to use a Home Tender, this would be someone that would occupy the place and keep it up, they would pay a fee to stay there on a week to week basis, however the arrangement would not be a landlord/tenant relationship.  They would be contractually obligated to furnish the property and keep it clean, grass cut, etc.  I was even thinking that I myself could be that Home Tender, but I’m thinking I’d rather find someone else.  Not feeling the idea of paying utilities, cutting grass, and living in Champaign again…especially after being back in STL…it’s like night and day.

So, today while finishing up my short-sale package, the last thing that I needed to do was to complete the preliminary HUD-1.  The last time I paid my lawyer to complete it.  Or rather his assistant did it.  Either way I figure it cost about $50.  So today, my broke-ass needed a way to get it done for the low-low.  I thought about doing it myself, but if you’ve seen one of those HUD-1′s before, you’d know it’s confusing as hell.  If you do them all the time, piece of cake.  But if you don’t…that thing might as well be Calculus.  No, but seriously it’s more like an accounting ledger…and I hate accounting…credit this….debit that.  For the birds I tell you!  So I remember being on John Michailidis’ blog (I think he’s been chilling off the grid for a moment now) and seeing an ad for DIY HUD-1 software.  So I go to the site, which is called EasyHud.com and the software which was normally $27/month, was free!  Don’t know what the deal was…and not sure if it will be free indefinitely…but it surely is free right now.  So check it out.  I got my HUD-1 done in like 5 minutes.

Side note: I just happened to check out the blog of the owner of EasyHud.com and he posted this video about short-sales and bankruptcies, a Q and A with an attorney out of Indiana.  Since I’ve run across this subject with one of my past deals gone wrong, I felt it was appropriate to share here, as bankruptcies and short-sales together are quite a confusing duo:

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Driving for Dollars, Short Sale , , ,

The Tedious Web

August 9th, 2010

Lately, I’ve been spending more and more time behind this computer.  It’s a necessary evil I guess.  Now that I’ve added Lease/Option Wholesaling to my bag of trix, I’ve been very busy.  I’ve just revised my property blog to work hand in hand with Aweber.  That sounds very simple, but setting up Aweber with WordPress can be very tedious.  Especially when you’re segregating subscribers into multiple lists…pain in the @ss if you ask me.

So it’s 1:26am and I’m at the coffee shop again.  I wish there was another 24 hour spot to go to in St. Louis, because I’d go to it.  When school is back in session, I probably start going to the Washington University library…last I checked that was 24-7.  There are some straight-up weirdo’s that come to this place.  Add that with the fact that this is one of the last cities to ban indoor smoking.  I think I just second-handed the equivalent of a full pack of Marlboro Lights tonight.

I still have more work to do with my Lease/Option situation though.  I’ve got some good leads off of CraigsList.  CraigsList is kind of a big-deal.  As far as generating a continuous stream of leads, CraigsList alone can get you that.  You just have to stay on top of it.  Which is what I’m struggling to do.  I think if I focus on CraigsList and bandit signs for now, I’ll have more than enough leads.  Which brings me to my next update.  Just picked up a new short-sale.  This lady called me from a sign that I posted over 3 months ago.  I need to put some more of them out…damn I hate putting those signs out!  To anyone else who does this, do your legs get sore from hopping in and out of the car 100 times in one night.  Damn near feels like I went to the gym after I put signs out.  Anyway…gotta do it.  You may be wondering, what kind of sign stays posted since Spring, I’ll let you in on that secret soon.  Sign-up for my exclusive content.

Lastly, I just wanted to share my satisfaction with my new 4G air-card that I got for my laptop.  It’s by Clear.

Clear 4G
Image by hawaii via Flickr

I switched from my Spring 3G/4G aircard about 2 weeks ago after they tried to stick me up.  Apparently there is a 5 gig limit for Sprints aircard and each megabyte afterwards is like 5 cents. Anyway, they think I owe them $1,200!  I’ve already talked them down quite a bit, but this looks like it will take some time to get straightened out.  So I canceled the contract and jumped ship.  With Clear, there is no contract, no limit and it’s all 4G speed.  Haven’t had a problem yet.  The guys at the wireless shop tell me that Sprint actually leases their 4G network from Clear.  That was completely random.  In a nutshell, Clear is the sh!t.

I’m outtie

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Driving for Dollars, Short Sale , , ,

WTF! Wednesday v6

July 14th, 2010

Good ‘ole volume 6 of this series.  Don’t have a bunch of time so I’ll hop right into it.

A few posts ago I spoke of a short-sale that I lost.  Well I fell victim to what happens all-to-often to investors nationwide.  There was a guy (yeah him) who inherited a property from his Mom and made it into a rental a few years ago.  He said that he had problem tenant after problem tenant, poured a lot of money into the property, as he did nothing but make repairs and evict people.  The last tenants caused him to become delinquent with his lender (American Home Mortgage) and he wanted to prevent foreclosure.

I was put in touch with this guy way back in January after he responded to one of my signs.  I collected the required paperwork from him and submitted the “short-sale package” to the bank.  The first appraiser (AHM used appraisers with me and not BPO’s) they sent out, probably appraised the thing for over 30K (I don’t know what it came in at exactly).  The house was really only worth about 30K, but they countered my original offer of 19.8K for 32K.  I requested another appraisal and they said I’d have to order my own and present it to them.  So I order another one and the appraisal comes in at 20K.  They then said they’d accept 27K.

I called up another investor who primarily does short-sales, he told me that sometimes banks will try and pull this (asking for more than appraised value).  The only thing you can do is stick to your original offer and explain why they should take it.  Sometimes they’ll come down…sometimes they’ll foreclose.  So I told them that 19.8K was the best that I could do.  They said, “Ok” and foreclosed on the guy.

The crazy thing is, at the sherrif’s auction last Friday.  The property’s beginning bid started at 13K….yes 13K.  And nobody even bid on it.  Oh well….sucks for the bank…and the homeowner.

I learned a good lesson throughout this ordeal.  And that is to stay away from properties when there isn’t much of a spread to be had.  Also, I now know that the bias of the BPO/appraisal is the name of the game.  An 80% below norm BPO bias creates a smaller spread on a 50K property versus a 150K property.  It’s all very clear to me now.  Honestly I dodged a bullet by not getting this property.  At least I now know the rules of the short-sale game.

- Justin

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Driving for Dollars, Short Sale , , ,

WTF! Wednesday v5

June 30th, 2010

Here we go with volume 5 of this WTF! Wednesday series.  I swear I am running into every possible road block ever conceived in this Real Estate game.  So check this shit out.  I received word last week that the two Champaign properties, which were held-up due to a bankruptcy, were clear to close from my Realtor.  Apparently, bankruptcies take forever and a day to resolve, as these properties were put under contract in February.  So I start making calls and getting things ready for the closing of one of them.

Everything was going smoothly, I went to follow-up with the bank that held the note on the two properties.  The reason being that their original approval letter was vague due to the fact that it didn’t specify what the payoff amount was.  As a matter of fact, I’ll give you exactly what this letter said:

February 18, 2010

To Whom It May Concern:

Please allow this letter to serve as notification of approval for the [Jon and Jane Doe], to sell property located at [1234 Main Street] and [4321 Main Street] both located in Champaign.  Should you have any questions, please contact me at [217-222-2222].

Sincerely,

[Deez Nuts]
Assistant Vice President

So, as you see, this letter is completely vague.  So I made a call to the bank, to request a more specific letter per my lawyers instruction.  See email chain:

—Message Reply—

Justin,

They need to specify the amount of money they agree to receive in exchange for releasing their mortgage on the subject property (i.e., a specific payoff amount).

—Original Message—

[Lawyer],

I guess it’s time to revisit the (vague) bank approval letter.  We spoke months ago about this and you said that once the time came I’d need a more detailed letter.  If you tell me what is specifically needed in the approval letter, I can contact the bank and request what I need.

So I give the bank a call and get connected to the Assistant Vice President that drafted the original letter.  I proceed to request that I need a more specific approval letter.  He then proceeds to tell me that the sellers no longer own the properties and that they deeded them both back to the bank.  And there is no way that he was going to sell for the 30K price I had each under contract for! (and dude kinda copped an attitude)

I was completely baffled by that statement, I thought everything was going smoothly and now this.  First thing I always do in these situations is play “devils advocate”.  So after the phone conversation, I begin to brainstorm how this “deed in lieu” could legally have been done.  These are the points I’m able to come-up with:

  • Bankruptcy actions supersede any previous contracts
  • Contracts were expired

Those are the only pro-bank arguments that I can think of.  Now onto what matters, the pro-Justin arguments.  Here are my arguments:

  • I was able and willing to close (in March) before contracts expired
  • I had the required 3rd party bank-approval (in February) before contracts expired
  • I made numerous efforts to update contracts with seller (once in April and in May)

As I write this, I’m still waiting to hear back from my lawyer on this issue.  But, the realistic part of my brain is thinking that pro-bank bullet point #1 is what may be true.  Perhaps, bankruptcy actions overrule in this matter.  The emotional side of my brain is thinking “F#&K You, Pay Me” (cool points to who can name the movie with that quote).  But anywho, this is a stellar example of why I must increase my lead quantity and concurrent deals in the works.  When you’re counting on one deal, it’s almost guaranteed to fall through.

Even if there was some illegal foul-up on behalf of the bank or the seller, it would most likely cost more time and money to correct.  And if it involves court-action, I can forget about it.  These aren’t marginal deals, but court costs aren’t feasible.

I’m curious to hear if anyone else has experienced something similar, or if you have any expertise on the matter.  Please provide your input in the comments.

- Justin

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Driving for Dollars, Short Sale , , ,

Lesson Learned the Hard Way #452

June 7th, 2010
Mistake
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Last week I had to pull out of 3 properties that I had under contract. I knew going into these that they were marginal in nature, I was expecting to make a 2K spread on each one. The reason that they were so marginal was that the owners owed too much to the bank on each house. All three properties had the same owner and were in Foreclosure, however the lender wouldn’t consider a short-sale. The properties were owned by a husband and wife…soon to be ex-husband and ex-wife and the bank felt that the husband’s income at his 9-5 was too high to qualify them for a short-sale. This divorce/foreclosure situation is A LOT more messy than I’m explaining, so I’m just giving the core details.

So I felt like I’d take a stab and them and see if I could move them. I had some interest from the cash-buyer roster that I have in Champaign. But not quite the same response that I had with earlier properties. In the end, after about 6 weeks I pulled the plug, with no contracts assigned. This cancellation was after one contract extension already. I felt it was best to cut my losses (marketing dollars, effort, time, etc.) and focus on other deals. Sadly, they’ll probably get foreclosed on, the bank will buy the property back at auction, list it high with an REO agent and eventually accept a very low offer (perhaps it will be mine). I guess that’s how it goes sometimes….

The moral of this story for me was to never take on marginal deals when your gut is telling you you’re buying too high and so they’re priced too high wholesale. This would’ve been a different story had I had a buyer lined-up that was willing to pay the price I was asking. In that case, 6K for just a few hours of work isn’t bad. But in my case, even if these deals did go through, it would’ve been a total of 6K for hours and hours and hours spent….too much like a job.

No more ‘marginal’ deals for me. Not worth it.

- Peace

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Driving for Dollars, Short Sale , , ,

Tic-Toc

April 17th, 2010
Bankrupt - Santa Monica Blvd. - Los Angeles
Image by theamericanroadside via Flickr

Time is flying…unfortunately.  I still have three deals pending.  Two are tied-up in a bankruptcy and will most likely close sometime this autumn (although the Realtors involved think mid-May).  I think September-ish is a realistic outlook (I’m learning that many Realtors are dumb as rocks, by the way. Well at least the one I work with is pretty sharp).

The bank that holds the notes on the two properties has already filed for an “Automatic Stay” and the Bankruptcy Trustee has filed for an extension to review the assets included in the Bankruptcy.  Who knows how long this will take…I ain’t holding my breath.

Also, two days after I quit my J-O-B I found and assigned a duplex.  This closing was scheduled for this Monday 4/19, however it was originally contingent upon the closing of another property of the sellers.  Turns out the property which the contingency was based on isn’t going to close.  Go figure.  But the good news is that I may be able to get that contingency waived.  It’s really more complex than what I’m explaining, but I don’t feel like writing a book on it right now.  Anyway, hopefully this deal will close sometime next week and I’ll give all of the details.

I was thinking the other day of providing some case-studies for absolutely every deal that does and does not close.  What ya’ll think?  I mean I’ve been running into absolutely every obstacle that could be presented (liens, bankruptcy, pre-probate, etc.), I think case-studies may be beneficial to even the experienced.

On the short-sale front, I’m at the stage with one property where I met the appraiser at the property, supplied comps, pointed out the issues with the house, etc.  And the appraisal came in too high.  I plan on ordering another BPO from the bank next week and see if I can get a more realistic value.  With short-sale number two, I’m still playing the fax and re-fax and wait game.  So we’ll see about this short-sale stuff.

Oh, and I almost forgot.  Today, I may have found three more deals.  They’re of marginal spread, but I got to do what I gotta do.  I’m thinking about putting an Option contract on these houses as I’m not certain that I can unload these like I did the others.  So I don’t want to be locked in.  But I’m sure going to try.  I’ll give more details as things unfold.

I’m surely running out of time and money.  Something needs to close soon.  Honestly, I have no idea where I’ll stand in two weeks…and it feels kind of good.

- Peace Out

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