"You just can't water from a stone. Especially from someone who claims, "I just don't think any educated counter argument can be presented." Well, it doesn't even take much education since your thesis is completely fallible. Doesn't even make sense,…"

"Regina, um, the investor is doing the same thing when making an offer on a REO. They are offering a much lower price then what the bank lent on it. When short saling, they saved the homeowner from foreclosure and extra expenses for the bank. Do you…"

"I still don't get what offers are being withheld. There are no offers! The price is too high! It is the work of the short saler(investor) who brings down the price and makes it lower therefore attracting buyers. Furthermore, as the contract and/or…"

"I have already mentioned that there is full disclosure. There is a right and ethical way to do this. Also, it is not that higher offers are being "held back." There are no offers usually b/c buyers don't want nor understand short sales. The…"

"Again, this is only mortgage fraud if there is not full disclosure. If the lender with the loan that is being shorted sees the "Option" contract,, they will know the property will be resold. They also know it is cheaper to short than foreclose and…"

"How is it fraud if this an option contract and there is full disclosure? Also, I have seen these as cash purchases where there is no fraud at all just a short sale. When the lender sees the option contract I think they can realize the property will…"