Most investors searching for foreclosure deals are already late. They wait until a notice of default, trustee sale or other foreclosure filing becomes public. By then, the homeowner may be hearing from dozens, if not hundreds, of investors, agents and foreclosure “specialists.” The better window is often before public notice. At that earliest stage, perhaps only 5% of homeowners will be open to selling. But those who are may be far more likely to work with you because you’re not competing with the horde of investors calling, texting, emailing and sending letters and postcards to these homeowners . That’s how I found one of my best wholesale deals: a $91,000 assignment completed in three weeks way back when in 2008. Just please be aware, that was a rare deal. Definitely not typical or likely to be repeated. But the principle behind it still holds: The earlier you reach out to a motivated seller late on their mortgage payments and probably headed to foreclosure, the less competition you’re likely to face. This may be particularly timely now. According to ATTOM, 227,548 U.S. properties had foreclosure filings during the first half of 2026, up 21% from the same period last year. For a beginning investor with limited time and marketing capital, pursuing the smaller, harder-to-find pool of homeowners in the earliest stage may produce a much better return than chasing the same public lists as everyone else. Just take note: these are people under real financial pressure. Approach them respectfully, understand their situation and offer a purchase only when selling genuinely helps. Sometimes the best advice you can give is not to sell. If there’s enough interest, I’ll follow up with a post on how to identify these early-stage opportunities. And how to approach this group of homeowners without coming across like a vulture. Post YES in the comments if you feel that would be helpful.