With the slew of adjustable loans coming due within the next 6 months to a year, it looks like every other listing appointment that we are going on in North Park and South Park is a Short Sale. It is unfortunate that the banks wouldn't just work with the current owners in a loan work out program.  The good thing is that together with our team of Short Sale negotiators we are helping people that are under water sell their homes and  complete a successful Short Sale; waiving the deficiencies and helping them start fresh again.