Kluge, have you taken my pm into consideration? Or any results on it?
Yeah, sorry for never replying. We've been looking at foreclosures since the beginning - even short sales.
I broke down and sent a contact request to my CU. Credit score's pretty decent (even with maxing out 0% APY credit cards), I have a fair sum with them, and have been a customer for years, so maybe I can lure them into giving me a now-elusive no-doc loan.
CU, unsurprisingly, denied request for a no-doc. Still a bit disappointed.
Next method of attack is to try routing around realtors and their bureaucratic methods to contact sellers directly for informal owner financing. Use gov't records to find owner, search for owner contact info on Internet, see if they'd be willing to do such a thing, then go from there.
Another offer was made on our house in Erie, but it doesn't appear serious (has a bunch of contingencies, very low deposit, and very low offer) and the guy seems insane (insisted he's talked with us, which he hasn't, and scribbled out some stuff he marked on the offer).
ETA: Looks like I may've found a winner in Upland. Cheap, foreclosed duplex in a college town. Couldn't really ask for anything better. Scheduled to see it mid-Thursday.