Foreclosure & Surplus-Funds Research: Book 4

Foreclosure records are public, but the people behind them are real. This book shows you how to work with those records honestly.

Foreclosure and Surplus-Funds Research teaches you to research sales ethically, set a maximum bid and keep it, buy bank-owned property carefully, and understand surplus funds and case management inside the rules, without ever selling "rescue" or asking anyone for money up front. Follow a fictional investor, Simone Archer, and a fictional researcher, Owen Takeda, with every number shown step by step.

What you'll be able to do

• Explain judicial and nonjudicial foreclosure in general terms and read the records each stage creates
• Research sale records ethically and keep your notes secure
• Treat homeowners in pre-foreclosure with respect and point them to their servicer, a HUD-approved housing counselor and an attorney
• Spot title and lien questions early and hand them to a title professional
• Estimate value and repairs for a property you cannot enter, then set a maximum bid and a walk-away bid
• Evaluate bank-owned (REO) purchases and compare funding paths
• Understand in general what surplus funds are and why eligibility and claims are legal questions
• Run surplus-funds cases with compliance checkpoints, a do-not-contact log and no advance fees

What's included

• PDF (157 pages) and EPUB editions: 12 chapters plus the Choosing the Right Funding guide (9 funding types), 15 diagrams, checklists and knowledge checks with an answer key
• Worksheets and Checklists pack (printable PDF, including the Foreclosure Research Checklist) plus plain-text worksheets

Want the spreadsheets too? Book 4 + Toolkit adds two Excel tools: the Auction Maximum Bid Calculator and the Surplus-Funds Case Tracker.

Who it's for: investors who buy at foreclosure sales or bank-owned property, public-records researchers, and people studying surplus-funds case management who want to stay inside the rules.

For educational and study purposes only. Not legal, tax, investment or lending advice. Does not offer or promote foreclosure rescue, relief or loan modification services, and promises no purchase, recovery or result. Foreclosure-consultant, equity-purchase and surplus-funds fee, assignment and contact rules are restricted, and in some states prohibited; check with a qualified attorney. No contracts, claim forms, letters or templates are provided. All examples are fictional. FAAS Funding is a loan broker, not a lender. Copyright © 2026 FAAS Funding LLC. All rights reserved; licensed for one buyer's personal study.