If you already are using a CPA, then this is the sort of stuff you should be discussing with your CPA; if you don't already have one, find one and work with the CPA to identify what is the best fit for you.

There are all sorts of ways to rationalize things from wholesalers.

The bond market will eventually force change of some sort.

Since the HOA initiated foreclosure, I was under the impression that they had some sort of statutory priority.

This "issue" that you're dealing with where it takes you back to page one has been around for months now . . .Please clarify as much as possible to help us sort these issues out.

Sort of a "learn at the feet of the master" kind of relationship...The second thing, though, is that they ought to provide you with confidence, and to some degree even motivation.

I know that this stuff is tough to do, but please believe me when I tell you that you'll thank yourself later when things go well and you will want to pull your hair out when things go south.Gary

All of those parties have an interest in seeing the value come in at a certain price to make the deal happen.As far as the lien you can try all sorts of things that not ethical or legal.

And people wonder why wholesalers get a bad name ... and wholesalers wonder why they can't get any respect or returned phone calls from experienced cash buyers ... this sort of attitude MAY have something to do with it ... this is not a sound way to start your investing career, Paul.

If your finances / credit are a shambles and your current income isn't helping you sort it out,     then obviously you need to focus on gaining more income.Set your financial issues aside for now - they're not helping you - and learn to work around them.One of the biggest newbie mistakes is thinking that you need your own money and sterling credit to get into REI.While those certainly do help, if you don't have them, you need to find a different solution.Learn to attract and engage private lenders.Folks with large retirement accounts - medical people, attorneys, ... high-income professionals who may or may not be self-employed - need alternatives to the risks, whims and paltry ROI of Wall Street.