The third floor is noise and apparently is up all night, and now the new (1st night there) tenants have the music going till all hours of the night in which she called me to call them.

A hard money loan is short term, typically six months max.

Did some negotiating while it was in short sale but nothing came of it.

I see some "investors" advertising short sales where they've gotten permission to "deal" with the lender.

When we meet him at the property it turns out he was indeed a medical student from India and his email name was short for Deepak Kumar.

But I don't want to short change myself on price, just to get someone in.

In short, I can't just cross my fingers and HOPE they won't call the notes due without some addional assurances because if they did, the consequences could be devastating.I've heard people say that the bank would be foolish to call in a performing loan, but I also think that in todays climate they are more concerned with maintaining solvency than maximizing profit.JMac

Nationwidepi shared that samething with me in the following post: BiggerPockets.com Real Estate Forum Index -> Short Sales .....NC & Poodle .... try looking At that post for some more insight.

Obviously the catch with this is that you have to be able to find someone willing to trade you, and that might be easier said then done, although it certainly is an option.If you absolutely think that bank financing is out of the question (and you might be selling yourself short here, at least for a portion of the loan) you can also pursue private money.

Jus kiddin.Long story short on the RE License, I met with one of the real estate agents just to understand how it works.