Keep in mind West coast land is simply not like Texas FLA or other parts of the country.. buildable lots shovel ready basically start at 150k and go up..

Take your shovel and go door 2 door offering snow shoveling services.

By closing, I am referring to the up front closing which occurs before a shovel goes into the ground. 

Is that enough information for you to run to the hardware store and buy a shovel?

I just wnat to keep lights on and roof over head a pizza on Friday night and a good running car .I want to bea able to have a gout flare up(yes they suck) and not worry about going to work through it to keep fam fed.

This isn't the 30 day notice that is in my lease and they gave me the reason mice aggressive neighbors steps not shoveling or salted.

The Wall Street Journal just flagged the biggest month jump in negative-equity loans in five years - half a MILLION homeowners now owe more than their house is worth.Boom-town darlings like Austin, TX and Cape Coral, FL are already off ~20 % from peak pricing, and the crash isn’t done.Translation for us wholesalers:They can’t list conventionally (agent fees would force a check at closing).They can’t refi (LTV blown out).They still need to move - job change, divorce, adjustable-rate resets.Why it matters:It's a perfect storm for short sales, sub-to’s, wraps—deals hobbyists skip.So, speed wins this wave, not bigger lists.How we’re surfacing these highly distressed AND motivated sellersFilter county deeds for purchases between Mar 2020–Jun 2022.Overlay current AVM vs. original loan balance → flag ≥100 % LTV.Cross-match with 30-day late payment filings to jump the line.We're working with our devs to monitor based on these rules - same way we track probates and code violations.

Most of the people who will offer to help you are trying to sell you a shovel at best and scam you at worst.Also real estate coaches are all scammers.

And Alan Greenspan of the Fed said "Well, I didn't see it coming".Then it's fire engines and shovels and "liar, liar, hair on fire" The agencies are reactive, not pro-active.  

Then again, you can't shovel sunshine.