From Foreclosure to Forbearance - The Art of Negotiation > NetSparsh

Home
>
Real Estate
>
From Foreclosure to Forbearance - The Art of Negotiation

From Foreclosure to Forbearance - The Art of Negotiation

As an active real estate investor you probably already know that the most important phase of your investment is when you buy the property. Most of us are getting the bargains in the foreclosure market. You will agree with me that the best time to buy is before the actual foreclosure. This is commonly known as pre-foreclosure.

If you ever found yourself in the heat of a foreclosure auction you would agree that this is not the situation you want to be in. To get into the pre-foreclosure market you need to have quick access to all kind of information. You can imagine that there's a huge competition in the pre-foreclosure market. Everybody wants a piece of the pie and the bigger the pie gets the more people want a piece.

We are looking at a tidal wave of new foreclosures within the next 1-3 years. I'm talking about all the interest only mortgages and special mortgages that enabled homebuyers to get more house than they actually can afford. These loans are converting into higher interest loans or fixed rate loans. Either way these folks will be looking at about a 40% higher mortgage payment each month. For most families this will be disastrous.

That's why I predict a tidal wave of foreclosures. As a real estate investor you might say "great", but in reality it will kill your business. Residential real estate is typically appraised through the recent sales comparison method. This means that the value of your home depends on how the market works in your area. As an example; you just bought a bargain foreclosure home in a nice sub division. There are a total of 50 homes in this development. You got the house for 30% under market value. Now your purchase price will be factored in into the comparison model for the next appraisal.

In itself this is not a big deal. A small percentage of under market deals will not spoil the market for the next regular sale. Imagine that instead of 1 or 2 foreclosure deals all a sudden 5 or 10 foreclosures happen. If you were the first to buy a foreclosure in this development you're looking at financial challenge. Your so called bargain buy represents the new lower market value. Actually you're lucky if you do not own an overpriced piece of investment real estate. So, watch out for the tidal wave.

There's a better way to deal with foreclosures. This requires a little bit of negotiation skills and a sincere motivation to help other people. This is called Forbearance. What does this mean? It means that you will be in the business to help people to avoid foreclosure and if you're successful you will charge a fee for your services. Forbearance is much more than just a form of charity. You will actually cash in on both sides of the foreclosure process.

You will earn a fee for helping distressed homeowners and if you fail to stop foreclosure you will have a first hand bid on buying the property. But your first and most important goal is always to help the homeowner to keep their property. If you don't set this as your primary business mission you will be out of business in no time. If you fail to build a circle of trust you will have no business.

Most real estate investors I know tell me that they are rather take the big checks once in a while than working in a regular base on a fee based business. If you're related to Donald Trump, go for it. If not, you will have a huge cash flow problem at hand. With a Forbearance business you will have control over your cash flow. By simply calculating how much money you need to pay your bills you can calculate how many deals you need to do to cover these expenses.

Let's say you need $8,000 a month to cover your living costs. At a fee rate of $1000 per Forbearance case, you need just 8 cases per month or 2 per week. The Forbearance business is a full time business. There's simply no way that you can negotiate with lenders after hours. Also you need to be flexible to talk to homeowners during evening hours and weekends. Although it doesn't take a lot of time to work on a single case it takes a lot of commitment to run this business. A homeowner trusts you to save his home and you don't want to disappoint him.

So why would you step into this business? Again it's all in the cash flow. Investing in real estate is fun, but these big checks are just not happening every day. You need to pay your bills and support your family. Forbearance allows you to do exactly that; generating cash flow. You will have enough time at hand to hunt for great real estate deals. So you get the steady income plus the big checks once in while.

I think this is a great real estate business model and worthwhile to spend more time researching. Some states regulate the Forbearance business and some actually have laws in place that don't allow you to charge for offering a service like this. Do your homework before you start and make sure that you have a good working relationship with a real estate attorney. You don't want to start this business without a real estate attorney.

Sincerely,
Peter Dobler
© 2005

Peter Dobler is a 20+ year veteran in the IT business. He is an active Real Estate Investor and a successful Internet business owner. Learn more about foreclosure investments at http://www.suncoastrenttoown.com/foreclosu resdaily or send a blank email to mailto:[email protected]

In The News:

GST Council defers decision on tax on real estate; extends deadline for sales returns Economic TimesGST Council meet inconclusive; real estate to be taken up at meeting on Feb 24 Moneycontrol.comGST Council defers decision on real estate tax; extends deadline for sales returns Times of IndiaDecision on GST on real estate, lottery deferred till Sunday, return filing deadline extended India TodayGST on real estate, lottery: Opposition wants detailed meeting The Indian ExpressView full coverage on Google News

Indian real estate industry voyages on its quests for a trillion-dollar economy Business TodayEven as the new paradigm in post-RERA scenario ensures that the Indian real does flourish, we also need to factor in ground realities that will play a major role ...

Saudi Arabia asks India to allow foreign ownership in real estate Economic TimesNew Delhi: Saudi Arabia wants India to open up its real estate sector to foreign ownership, which will lead to investments of hundreds of millions of dollars in ...

Pledged shares and real estate loans are worrying The Financial ExpressThe next big worry for the financial markets is how real estate players are going to *service* their loans; the mix of developer loans in total NBFC/HFC credit has ...

Real estate tops bankruptcy chart; construction, metals and textiles follow Business TodayOf the 1484 companies admitted for resolution under IBC, 612 are from the broader manufacturing sector, which includes metals, textiles, food and beverages ...

Inside Nipsey Hussle's Blueprint To Become A Real Estate Mogul ForbesWith business partner Dave Gross, rapper Nipsey Hussle is building an empire boosted by a tax break popular with billionaire venture capitalists.

GST Council may lower tax on real estate on Sunday Daily News & AnalysisThe Goods and Services Tax (GST) Council has deferred a decision on lowering tax on real estate till Sunday as Wednesday's meeting remained inconclusive.

These Cofounders Want To Bring Back The 'Romance' Between Real Estate Agents And Clients ForbesBefore the advent of technology, a real estate agent could make money sitting in the office all day. A family would stop at the corner real estate office on their way ...

Govt fails to initiate steps for implementation of Real Estate Regulation & Development Act Daily ExcelsiorEven basic step of establishing Authority not taken so far Promotion of sector in transparent manner remains distant dream Mohinder Verma JAMMU, Feb 20:

After Florida, Arizona's Real Estate Market Will Be Hit Next By Global Warming CleanTechnicaNo yards, no golf courses, rutted roads, very expensive water and not being able to play outside at anything for most of the summer doesn't sound like a lot of ...

Real estate stocks, GMR Infra, Nalco and YES Bank top stocks to track Business StandardAt 08:25 am, Nifty futures on the SGX traded 58 points or 0.55 per cent higher at 10,671.50, indicating a firm opening for the domestic stocks on Wednesday.

GST Rate Cut – Panacea or Brief Pain Relief for Real Estate? MoneylifeThe recent interim budget announced *fresh* sops for the Indian real estate sector – which, on closer scrutiny, did not really send clear revival signals to the ...

CommonFloor Hosts CommonFloor Real-Estate Excellence Awards 2019 Business Wire IndiaCommonFloor, a platform that offers home seekers, sellers and real estate professionals an extensive online real estate ecosystem, today announced the ...

Elders Real Estate announces CCA partnership Elite AgentElders Real Estate franchisees in South Australia and Alice Springs have announced the launch of a major sponsorship of the Childhood Cancer Association.

Lightstone Appoints Eugene Rozovsky to Lead New Real Estate Debt Platform PRNewswireNEW YORK, Feb. 20, 2019 /PRNewswire/ -- National real estate investor and developer Lightstone today announced that Eugene Rozovsky has been ...

Hunt Real Estate Capital Finances the Acquisition of a Memory Care Seniors Housing Property Located in Phoenix, Arizona PRNewswireNEW YORK, Feb. 20, 2019 /PRNewswire/ -- Hunt Real Estate Capital, a leader in financing commercial real estate throughout the United States, announced ...

Canadian real estate market outlook 2019: Stable but struggling Maclean'sWhat the coming months hold for buyers, sellers, homeowners and investors.

A lower GST will lead to greater alignment in real estate: Rajnish Kumar Economic TimesA lowering of goods and services tax for under-construction houses would bring about greater alignment in the real estate sector, said SBI Chairman Rajnish ...

Real Estate Professional Helps Connect Local, State, and National Industries Lansing State JournalReal estate professionals go above and beyond to serve their neighbors and their communities.

Charlotte private real estate investment firm launches a $100M real estate fund PRNewswireCHARLOTTE, N.C., Feb. 20, 2019 /PRNewswire/ -- Mount Vernon Partners, LLC ("MVP"), a Carolina-based real estate investment firm headquartered in ...

Private Equity Firms Eye Bonanza In Residential Real Estate Space: Report NDTV NewsNation's cash-starved residential real estate market is set to get a boost from foreign and domestic private equity firms, which are lining up big bets worth ...

SoftBank's latest big real estate bet is in a start-up that's taking on the physical storage industry CNBCSoftBank's Vision Fund led a $200 million investment in Clutter at a $600 million valuation.

Rental Real Estate Is A Sound Investment For Any Market ForbesConsider reallocation of some of your investment assets into rental real estate to weather the ebb and flow of the markets.

Expensive real estate, high rentals make Mumbai lose start-ups The HinduAffordable co-working spaces, skilled tech talent hold key for city to succeed.

The Real Estate Walking Dead: Three Tips To Surviving Your First Recession ForbesThe S&P 500 declined 7% as 2018 came to a close, according to Investors: “That puts 2018 on track to be the market's worst year since the Great Recession ...

Real estate sector should form an internal self-regulation mechanism: Venkaiah Naidu Moneycontrol.comThe real estate sector has come under severe scrutiny from the apex court and consumer rights bodies due to some unethical practices followed by certain ...

Solo 401(k): The Secret Weapon For Savvy Real Estate Investors ForbesTalk to a wide range of successful real estate investors about the secret to their success, and one of the more common responses is the use of leverage.

Atlas Real Estate Group Continues Momentum with Team Additions and Promotions PRNewswireDENVER, Feb. 20, 2019 /PRNewswire/ -- Atlas Real Estate Group, a full- *service* realty group specializing in real estate investments, brokerage and property ...

CBRE Group, Inc. Named Top Real Estate Brand in Lipsey Survey for 18th Consecutive Year Business WireCBRE Group, Inc. today announced that The Lipsey Company has named CBRE the top global brand in commercial real estate for the 18th consecutive year.

American Real Estate Partners (AREP) Completes Tranformative Renovation To Historic Candler Building In Baltimore Harbor PRNewswireWASHINGTON, Feb. 20, 2019 /PRNewswire/ -- American Real Estate Partners (AREP) announced today completion of its renovations to the Candler Building, ...

Real estate market 'shifting' in SW Florida; experts at Market Watch event to say why Naples Daily NewsAs always, the real estate experts who will speak at Market Watch 2019 are holding their cards close to their chest ahead of the highly anticipated event. A trio of ...

RoC had no information about PAN of 95% real estate companies: CAG Economic TimesNearly 95 per cent of real estate companies registered with the Registrar of Companies (RoC) either do not have any permanent account number (PAN) or the ...

Devils that invaded real estate agencies Daily MonitorIn early 2000, a time when the real estate industry was seen by many to be picking up, Property Masters, a defunct real estate agency, was one of the few ...

Dubai real estate market recovery to be seen as of 2022: S&P Arab NewsDUBAI: S&P Global, the ratings agency, painted a grim picture for the real estate sector in Dubai, with a meaningful recovery in property prices expected only ...

Why is Florida's coastal real estate still booming despite rising levels? ArchinectIn Florida, you will see a bewildering mix of optimism, opportunism and denial in the real estate market: luxury condominiums going up in flood-prone South ...

New To Real Estate Development? 14 Things You Need To Know To Build Success ForbesLike most industries, real estate has changed over the years. If new real estate developers want to be successful, they must not only get a feel for what the ...

Real estate firm plans to donate to local charities Blaine Northern LightBy Jami Makan A new real estate firm in Blaine plans to donate a percentage of its commissions to local charities. Peace Arch Real Estate, founded by Steve ...

Real Estate Fresh Finds: Feb. 20 PoPvilleReal Estate *Fresh* Finds is a weekly selection of newly-listed properties in the District, brought to you by Real Living At Home. Featured Property of the Week: ...

Don't look now but peak real estate season is starting. Here's when experts recommend you list Seattle PIThough Seattleites still have visions of snow storms dancing in their brains, spring is (ostensibly) right around the corner. And with it: peak real estate season.

Lebanon County Real Estate Transactions Lebanon Daily NewsThe following real estate transfers were recorded recently in Lebanon County:

Qatar's real estate market faces reality check ahead of World Cup Reuters IndiaQatar's Doha Tower, a spike-tipped cylinder that glows orange at night, won an award when finished in 2012 amid a Gulf-wide real estate boom, but today about ...

PropNex to take over agents from China Real Estate unit The Business TimesTHE BUSINESS TIMES Real Estate - CONSOLIDATION in the real estate agency industry continues, with PropNex Realty entering into a strategic collaboration ...

B.C. pastor, son fined for $450K fraud over real estate investments CBC.caA B.C. Securities Commission panel fined a B.C. pastor, his son and a third man for real estate fraud.

Real estate sector sees budget boosting consumer sentiment Economic TimesMumbai: The realty industry has welcomed the interim budget saying the many tax proposals will give the needed fillip to the sector that has reeling since the ...

Lebanon's real estate demand stagnates as 2018 ends An-NaharBEIRUT: Demand for real estate stagnated in the fourth quarter of 2018 amid political uncertainties and slow economic activity, as Lebanese shelved plans to ...

5 TIAA Real Estate Arm Launches New Multifamily Fund National Multifamily National Multifamily February 19, 2019 BisnowNuveen Real Estate is launching an open-ended multifamily fund targeting Class-B apartment properties occupied by millennials and middle-income renters.

Listed real estate is no longer boring The Australian Financial ReviewThe days are long gone when the entire listed real estate sector was a haven for predictable returns of about 10 per cent a year and the stocks all tracked ...

KKR Real Estate: 4Q Earnings Snapshot Hastings TribuneNEW YORK (AP) — KKR Real Estate Finance Trust Inc. (KREF) on Wednesday reported fourth-quarter profit of $21.4 million.

Taylor corruption probe leads FBI to real estate mogul The Detroit NewsFBI agents raided the home and business of a real estate mogul as part of a broader public corruption investigation.

A $23 bn manager is betting on Indias struggling real estate sector Business StandardA Bahrain-based investment manager wants to fill a vacuum in lending to Indian property developers that have $18 billion of debt to repay, aiming to capitalise ...

Bengaluru, Hyderabad, Chennai lead in housing, commercial real estate demand: Report Moneycontrol.comThey saw collective office space absorption of nearly 21 million sq ft as against just 6 million sq ft in entire NCR.

Ooredoo 'official sponsor of Tunisian expo on real estate and banking' Gulf TimesOoredoo has announced that it is the official sponsor of the Tunisian exhibition for real estate and banking within the framework of the company's activities.

Kiwi house buyers being 'ripped off' by real estate agents, says real estate agent NewshubNew Zealand houses are now sitting at an average of $500,000 - and real estate agents are reaping the benefits. With real estate agents charging a steep 4 ...

Real estate: Malvern stone villa with modern renovations InDailyThis symmetrical stone villa features elegant modern renovations, high ceilings, hallway arches, polished concrete and timber flooring and a spacious open plan ...

Indian real estate can evolve into trillion dollar economy Daily News & AnalysisGlobally, real estate development is an important parameter to measure economic growth. If one just looks at the demand for homes in India, the growth potential ...

The Best Real Estate In A Recession: Student Housing Seeking AlphaExperts appear to be in general agreement that we are well into the late cycle of the current economic expansion. Defensive REIT investors should look to ...

Feb 20, 2019 - Michael Burry Is Buying Real Estate and Deep Value GuruFocus.comIt is not unreasonable to say that Dr. Michael J. Burry is a legendary value investor. He was relatively unheard of before the financial crisis but made hundreds of ...

Financials And Real Estate Valuation - Update Seeking AlphaValuation metrics in financials and real estate. Evolution since last month. A list of stocks looking cheap in their industries.

China developers snap up distressed real estate debt Financial TimesLarge property groups buy up rivals' soured loans, accelerating sector consolidation.

China Real Estate Grp unit to transfer real estate salespersons to PropNex Realty The Business TimesPROPNEX Realty has entered into a strategic collaboration with Global Alliance Property (GAP), which is a wholly-owned indirect subsidiary of China Real ...

New Jersey-Based Real Estate Firm Acquires Southeast Multifamily Portfolio GlobeSt.comJACKSON, NJ—Commercial brokerage firm Cushman & Wakefield reports that Jackson, NJ-based The Walden Group has acquired an 18-property multifamily ...

Recent Commercial Real Estate Transactions The New York TimesRecent commercial real estate transactions in New York.

Private Equity Real Estate Funds See Slower Growth National Real Estate InvestorAs fundraising slows and deals become harder to find, private equity real estate funds face some headwinds.

Grow or slow? Professor and real estate executive share outlooks Business Times of Western ColoradoPhil Castle, The Business Times. The economic growth that's occurred in Mesa County over the past two years might slow, but likely will continue, according to a ...

Smart tips for dealing with Tokyo real estate risks REthink TokyoThere are many reasons to invest in real estate in Tokyo: low interest rates and high return on investment combined with a strong legal foundation for landlords ...

Loan default concerns loom large over real estate- Business News Business TodayCurrent leverage levels in real estate are not sustainable as developers have to increase sales by 2.5 times to be able to *service* the debt, which stood at over Rs ...

12 FIRs against two real estate companies for Rs 18.5-cr fraud The Tribune IndiaParveen Arora Tribune News *Service* Karnal, February 15. Investors have accused the developers of two major real estate companies of duping them of over ...

No Real Estate Tax Hike Proposed In 2020 Alexandria Budget Del Ray, VA PatchNo Tax Hike Proposed In Alexandria Budget - Del Ray, VA - The city manager did not propose a real estate tax increase, although tax bills could go up due to ...

Budget 2019: Real estate benefits from populism; breather for builders and buyers Business TodayAcknowledging the slowdown in the real estate sector, the government's populist budget has outlined measures to ease fiscal burden of developers while ...

Miss Manners: How to handle snoopy friend searching for personal real estate info Daytona Beach News-JournalAdvice: Depending on how your friend intends to use the information she gleans from the web, she may be intending a future rudeness — but it would be rude ...

Real Estate May Add 13% to India's GDP by 2025. Here are the Hurdles that Lie Ahead News18While the government has brought in laws such as Real Estate (Regulation and Development) Act, 2016, over 80 percent of consumers are of the view that there ...

Leasinvest Real Estate SCA: Notes of the manager on the past financial year 2018 GlobeNewswireFor the financial year 2018 we record the following key data: The EPRA earnings1 rise by 13.7% from € 27.5 million end 2017 to € 31.3 million (€ 6.03 per share ...

Agellan Commercial Real Estate Investment Trust Announces Closing of Plan of Arrangement with Elad Group Business WireAgellan Commercial Real Estate Investment Trust (the “REIT”) (TSX: ACR.UN) announced today the closing of the previously-announced plan of arrangement.

Berkshire Hathaway acquires Jax Beach-based real estate company Jacksonville Business JournalThe acquisition is part of Berkshire Hathaway's strategy to "acquire smaller companies in the area that are looking to expand without adding overhead and ...

GST tweak, industry status make up real estate sector’s budget wishlist Economic TimesMUMBAI: After being through the various structural changes and demand pressures over the past two years, the real estate sector is expecting the upcoming ...

Guyana’s Big New Real Estate Project Caribbean JournalA major new real estate project has launched construction in Guyana, the $100.9 million USD Pegasus Suites complex in Georgetown.

Real estate investors group to meet | News Bowling Green Daily NewsThe Southern Kentucky Real Estate Investors Association will have its monthly meeting Thursday at the Bowling Green Country Club starting at 11:30 a.m. The ...

I-T assessment error caused loss of Rs 6,000 cr in real estate taxes, reveals CAG report The Financial ExpressThe CAG scrutinised only 22% of the 78647 assessments made during this period, and said ITD needed to internally audit the remaining assessments to pin ...

TIAA's Nuveen Real Estate plots massive expansion in multifamily market HousingWireNuveen Real Estate, a global real estate investment manager owned by TIAA, is planning a significant expansion of its multifamily real estate business in the ...

Budgetary sops notwithstanding, demand revival in real estate remains elusive LivemintThe benchmark BSE Realty index, which was initially euphoric over the budgetary sops doled out to the housing sector, finally closed a mere 1.3% higher on ...

Millennials and Gen Z are driving trends in commercial real estate, panelists say Richmond.comAsked to forecast where the Richmond area's commercial real estate market is headed in the next five or 10 years, experts speaking Tuesday didn't have solid ...

2019 In Real Estate: Bursting Bubbles Or Best-In-Class? ForbesThe U.S. real estate market took years to recover from the shock of the 2008 financial crisis. Though observers were pleased with the market in 2017 for the first ...

Managing the Inevitable Real Estate/Hospitality Down Cycle | Daily Business Review Law.comAs we all are aware, the real estate and hospitality industry has recovered nicely from the “bust” of 2008-2012. However, home sales and prices are beginning to ...

The next chapter of residential real estate's tale of woe VCCircleIndia's residential real estate market can't seem to catch a break. From a sluggish sales environment to demonetisation,

Real Estate Startup Venn Intends to Operate in 50 Cities Within Five Years, Says Co-Founder CTechVenn operates co-living facilities that offer private and shared living and working arrangements.

FM’s booster dose for real estate Fortune IndiaThe announcement of credit linked subsidy scheme and increased tax savings will drive the demand for affordable housing.

Real Estate Market Trends Flathead BeaconAre residential land parcel prices increasing? The answer depends upon how you frame that question, with specifics of timing, size and locale. I charted ...

How Modi Weakened Green Laws To Aid Real Estate Lobby HuffPost IndiaASSOCIATED PRESS Prime Minister Narendra Modi (R) gestures to the World Bank President Jim Yong Kim (L) to sit while meeting him in New Delhi in July ...

Recent Real Estate Deals in Southington, Region Southington, CT PatchHomes Sold In Hartford, Tolland Counties - Southington, CT - Here are all the facts and figures on recently-sold homes in Patch towns in Hartford and Tolland ...

Deconstructing Budget 2019: What's in it for homebuyers and real estate developers Moneycontrol.comThe proposal that no notional rent will be levied on second self-occupied homes and that capital gains up to Rs 2 crore can be used to buy two houses, ...

Private Equity Likes the Look of Blackstone’s Real Estate Model BloombergQuint(Bloomberg Businessweek) -- In January the 800 Fifth tower in Seattle was sold for $540 million—the biggest commercial real estate transaction in the Northwest ...

Vietnam fast becoming haute new market for luxe property The Business TimesSingapore. THE Grand Manhattan embraces the latest in New York living. The 39-story development will house apartments, a hotel, restaurants and some of the ...

Interest in Roma real estate soared following award-winning film's release Mexico News DailyInterest in renting and buying properties in the Mexico City district of Roma soared following the release of the Alfonso Cuarón film of the same name, statistics ...

Investa lays claim to first Science Based Target in Australian real estate The Fifth EstateInvesta claims it is the first property company in Australian to achieve an approved real estate Science Based Target. The company committed to net zero ...

What real estate investors need to know about tax law changes — including the potential downsides MarketWatchThe Tax Cuts and Jobs Act (TCJA) made several favorable changes to the federal income tax depreciation rules for real estate. Here's what real estate investors ...

B.C. budget predicts end to real estate correction, increase in revenues The Globe and MailThe British Columbia budget tabled Tuesday is forecasting that the real estate correction that drove down sales and prices in 2018 is over, and that property tax ...

Buying in UAE real estate: Dubai's Emaar now accepting bitcoin, other digital currencies? gulfnews.comDubai: The popularity of digital currencies like Bitcoin may be growing, but it hasn't yet hit the mainstream as a mode of payment, particularly in Dubai's real ...

On GST Council table: Tax relief for real estate, duty relaxation for exporters The Indian ExpressThe proposal was discussed in 26th GST Council meeting in March last year and since many technical, legal and administrative issues were identified, ...

8M Real Estate buying shophouses worth S$144m The Business TimesTHE BUSINESS TIMES Real Estate - 8M Real Estate is buying about S$144 million in shophouses in four transactions involving 10 shophouses in Tanjong ...

Indiabulls Real Estate Ltd. - Submission Of Unaudited Financial Results (Standalone And Consolidated) Of Indiabulls Real Estate Limited For The Quarter And Nine Months Ended December 31, 2018, Along With Limited Review Reports Thereon The Hindu BusinessLinePursuant to Regulation 33 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (Listing ...

From Foreclosure to Forbearance - The Art of Negotiation

Real Estate Real Estate