It looks like you don't have a Realtor. One that has the answers to your types of questions which is why you keep coming on Trulia again & again asking about how to get an REO or other distressed property.
You don't need to do that anymore, I can help you with whatever you need to know about REO's (on or off market), owners in default (on & off market) for single family or land. I know the processes of each VERY WELL.
Although home prices have risen, there are still available bank owned properties & owners in some stage of default who are still underwater & their lenders will never modify their loan no matter what some agency on the radio is telling them about principal reductions.
What Michael is talking about, is not going to work for you either, the bank's asset manager iF they even take your call, isn't just going to say "oh here's a list, pick the home you want", they're going to tell you (if you get them on the phone) to wait until it comes on the market after they assign an REO agent to the file, which can be anywhere from 30 days to over a year down the road.
Shoot me an email if you'd like to discuss this further, I don't look back on this same Trulia thread for answers after mine.
Emily S. Knell
Realtor Since 1996
Realty ONE Group
100% Short Sale Success Rate