FYI, when I ran into the example in Encinitas Ranch I did a Title Search on the entity they transferred title to. I found several dozen others many of which were in lower income South Bay areas. I think this proves it is not just a strategy for the wealthy. It could easily be at the other end of a 1-800 # posted on one of those “ugly yellow signs” you see on freeway offramps ofering foreclosure relief.