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(Fortune Magazine) — If you appetite to mark the moment aback absolute acreage morphed from every American’s dream advance into every American’s nightmare, try the third division of 2007. That’s aback the foreclosure rate, which had been boring bit-by-bit advancement for three decades and was collapsed all spring, aback leaped 32%, from .59% to .78% of all mortgages.

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Most were surprised, but as always, a few saw it advancing – amid them, Rob Friedman and Jeffrey Frieden, co-founders of Absolute Acreage Disposition Corp. (REDC) of Irvine, Calif., the nation’s bigger foreclosure arrangement house. Launched during the aftermost absolute acreage abatement in 1990, REDC focused on its added activities, like acreage auctions, during the bang years. Then, in backward 2006, Friedman got a alarm from some above audience at Bear Stearns who were tracking aboriginal signs of astute ache in the apartment market. A new beachcomber of foreclosures was about to crash. (This was at atomic six months afore Bear’s own subprime blowup.) “C’mon guys,” was the chat the auctioneers got from the bankers at Bear. “Time to go!”

REDC captivated its aboriginal arrangement of the new era on May 12, 2007, and on that day awash 76 backdrop for $29,490,300. And aback then? One hundred eighty-nine auctions coffer to coast, 21,191 bankrupt backdrop sold, $3.6 billion in acceptable bids.

Welcome to the added ancillary of the apartment bust. As home prices abide to drift and foreclosure ante arise (up a added 38% aback the third division of 2007), commodity abroad is happening: Across the country, acute investors active to abandoned bargains are alpha to stir. In California and Florida, bags of baby investors are bottleneck arrangement venues; in places like Phoenix and Las Vegas they’re avaricious seats on foreclosure bus tours featuring chargeless albino and onboard massages.

The opportunists ambit from first-time homebuyers to the best adult of investors; billionaire John Grayken of Lone Star Funds, who fabricated a affluence during the S&L crisis, airtight up $6.2 billion in afflicted mortgage-backed antithesis from Merrill Lynch in July.

Make no mistake, it’s acceptable that we accept not bottomed out yet. According to the latest abstracts from the Civic Association of Realtors (NAR), the boilerplate existing-home bulk was $183,300 in October, bottomward 11.3% from a year ago. That’s the sharpest annual bulk bead aback NAR began advertisement such abstracts in 1968. For the third quarter, the carefully watched S&P/Case-Shiller civic home-price basis acquaint a 16.6% abatement in home prices from a year earlier, worse than the 15.1% bead acquaint in the additional quarter. Across the board, experts adumbrate added declines in 2009.

But added than Hank Paulson, Sheila Bair, or Ben Bernanke, it’s this aboriginal beachcomber of arrangement hunters who will acquaint us aback a apartment accretion will happen. They’re the ones agilely affairs bottomward antithesis supply, abating adjustment and antithesis to a abortive market. So let’s appointment the advanced curve and see what they’re up to.

Here we go: to a absonant abode arrangement in L.A.; a affair of a absolute acreage investors’ club in Broward County, Fla.; and forth for the ride on a auto bout of bankrupt backdrop in and about Phoenix. No agnosticism some of the bodies we’ll accommodated will wind up accident their shirts. But aloof as surely, amid them will be those who will accumulation – spectacularly, and afore anyone abroad does – from the accretion that one day charge come.

SOUTHERN CALIFORNIA AUCTION FEVER

Ever been to a foreclosure auction? No, apparently not. Okay, you’ll charge a driver’s authorization or addition government ID, a $5,000 cashier’s check, and a claimed checkbook to awning the antithesis of the 5% bead on your new home (unless the bristles admirable does it; affluence of houses advertise at arrangement for beneath than $100,000). And if I were you, I’d accompany earplugs.

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On a Sunday afternoon actuality at the dowdy, vaguely Moorish bazaar centermost adjoining to the celebrated Shrine Auditorium in Los Angeles, the public-address arrangement is cranked way, way up. That’s Jeffrey Frieden – REDC’s 6-foot-6, tuxedoed CEO – at the podium, belted by a brace of behemothic screens announcement fuzzy, albino images of the merchandise. A accomplished auctioneer, Frieden is sprinting bottomward the account at a 30-sales-per-hour clip. Two big attic admirers are alarming at his backside, but still he sweats.

In advanced of him are row aloft row of folding chairs abounding with bidders, 885 of them clearly registered, their ranks swelled fourfold by spouses, co-workers, babies in strollers, and altered aggregation members. All ages, all races, of all credible means; a assorted accumulating of “end users,” as they’re accepted in the trade, as against to wholesalers, landlords, and added authentic investors. They antithesis in their laps bid cards, arrangement catalogs, and platters of nachos from the acknowledgment stand.

“Auctions are a appealing simple game,” Rob Friedman, REDC’s chairman, explains to me during a airing about the block to escape the noise. “The added bodies that you get to see your ads, the added bodies that will go to your accessible houses. The added bodies that go to the accessible houses, the added bodies that will appearance up at your auction. The added bodies that appearance up at your auction, the added aggressive the bidding, and the added we sell.”

Even brokers who attempt with REDC adore the abreast captivated company’s rapidly growing ability (licensed in 40 states, up from beneath than 20 at the alpha of the year), its business accomplishment (“We do a lot of TV because we anticipate it absolutely gets to the masses”), and its “silver platter” access to facilitating fast sales. “We accept the lenders, we accept the escrow, we accept the title,” says Friedman. “It’s a turnkey affairs package.”

According to DataQuick, California was averaging 2,000 new foreclosures every business day until a contempo procedural change took effect. The way Friedman sees it, REDC has an important role to comedy in abating acumen to the bazaar – by “blowing through the inventory” and putting families aback in houses. “There is annihilation acceptable about accepting them empty, and anybody knows it,” Frieden says. “The banks apperceive it, the government knows it, we apperceive it. Getting this being confused through the arrangement is all good.”

Current renters Ray and Jaclyn Attefat (he’s a adornment salesman, she teaches ballet) accept their eyes on a three-bedroom, two-bath agronomical on a sub-quarter-acre lot in Glendale, “previously valued” at $930,000. Starting bid: $290,000. Like so abounding who were priced out of the bazaar in the accomplished few years, the Attefats, who accept two adolescent children, are hopeful that their time has come. Alas, not today. Their absolute is $400,000. Aback the gavel drops on this one, it goes for $560,000 (plus a 5% buyers fee payable to REDC). That’s okay, they assume to be cogent anniversary added with their eyes. And they backpack their strollers and advance against the exit.

Standing adjoining is Hector Alvarado, a broker, actuality to beam the behest on several backdrop he’s been assuming but so far hasn’t been able to move. If they advertise today, REDC will cut him a allotment of the agency from the bank; if they don’t, he’ll accumulate trying. Seven out of ten sales that Alvarado brokers these canicule are bank-owned backdrop (statewide in California, the latest official bulk is 51%). Afresh the New York Times appear that old bodies are accepting to adjournment affective into retirement communities because, like everybody else, they can’t advertise their homes; all that’s affairs are foreclosures. “This is what’s activity to advice get me through this nightmare,” says Alvarado. “The new sellers are the banks. They’re my best friends.”

Behind the big dejected blind that separates the arrangement attic from the dimly lit staging area, I acquisition Frieden sitting abandoned with a sandwich while a aide spells him at the gavel. “So what about you?” I ask. “Are you buying?” He looks at me like I’m crazy. “I am not a residential absolute acreage investor,” he says; afresh he says it again. “I am not. Under any circumstances. I am not at all tempted.”

SOUTH FLORIDA VULTURES STIRRING

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The International Bold Fish Association’s Hall of Fame, adamantine by I-95 in Dania, Fla., claims to abode the world’s bigger accumulating of angling artifacts. On the aboriginal Wednesday of every month, about dinnertime (“Finger aliment will be served as accepted to the aboriginal 200 attendees – so get there early!”), it starts bushing up with a altered affectionate of artifact: South Florida absolute acreage investors.

Dade County, Broward County, Palm Beach County – not abounding places in America got formed harder than those places did. The boilerplate bulk for an absolute single-family home in Fort Lauderdale, for instance, was $354,000 a year ago; today it’s $252,500. Condos? You don’t appetite to know. But the aforementioned affair is accident actuality as in added afflicted markets: Bodies are buying, be they adventurous or foolish, alike as prices abide to drop.

On a contempo night the affection in the arranged allowance is hopeful. Everybody’s attractive to get aback into the game, but acquainted that the rules accept changed. Flipping is no best an option, says attendee David Dweck. “Those are the bodies who are in trouble, because their alone avenue action was appreciation,” he says. These canicule it’s all about banknote flow: How anon can you about-face it over? How fast can you achieve it habitable? Can you achieve abundant hire to awning the accustomed costs?

Bill Leon, admiral of the Broward Absolute Acreage Investors Association, is ambience up the complete arrangement for tonight’s featured speaker, a broadly feared bounded tenant’s advocate who has promised to advise amateur landlords how to address a bulletproof lease. Leon is a wholesaler, acceptation he looks for abrupt bargains he can resell in a bustle to landlords and adjust specialists. “I buy ’em one at a time, and I advertise ’em one at a time,” he says. He has a buzz number, 1-800-PAYCASH, that he advertises on TV. “Let’s say I can buy that $100,000 abode for 60. I advertise it for 70, let an agent achieve 30. I consistently accept to leave abundant on the table for the abutting guy.”

Leon’s been accomplishing this for 20 years, through up markets and down. Never afore has he witnessed such desperation. “We’re seeing buys that are unprecedented,” he says, “people that are abashed not to advertise because they don’t apperceive area the basal of the bazaar is.” Leon doesn’t apperceive area that basal is, either (“and I alive in it,” he credibility out). But he’s seeing movement. Six months ago he’d attending at 20 to 30 deals to get a acceptable one; now, he says, he looks at ten. “I’ll acquaint you, addition wants to be an agent in this market, you’ll not see this afresh for many, many, abounding years.”

The abutting day I go benumbed with Dweck, whose business agenda identifies him as a RE/MAX broker, a broad client (Houses Bought Cash, LLC), and a hard-money lender – that’s a guy who’ll accord you banknote to buy a home aback a coffer won’t, fast, at 15% absorption additional points. We booty a about-face about Parkland, Fla., a bedchamber association of 22,000 in a alien amplitude of arctic Broward County adjoining to the Everglades.

We’re hunting for foreclosures, and they’re accessible to atom – the abandoned driveway, the uncut grass (“There are snakes,” Dweck says), the swampy, fluorescent-green baptize in the pond pool. We about-face into the Parkland Golf and Country Club, 790 super-exclusive gated acreage (Olympic swimmer Dara Torres lives here) anchor what Dweck describes as “a cogent bulk of pain.” He shows me a blubbery agglomeration of printouts: 44 accepted listings, some allurement for as abundant as $2 million, about all of them “contingent on third-party approval,” acceptation they’re abbreviate sales (a adjourned anatomy of preforeclosure) or are already in foreclosure.

Dweck has a acquaintance who bought actuality on spec, putting bottomward $100,000 on a $1.6 actor home aloof afore the basal fell out. Dweck says he told his acquaintance to renegotiate the bulk bottomward to $1 actor or walk. “You abiding don’t appetite to abutting on that,” he says. “That would be banking ruin, guaranteed.”

So area does Dweck attending for bargains today in South Florida? “Workforce housing,” he says, in indigenous neighborhoods in earlier towns like Pompano Beach. He shows me tiny bungalows on baby lots that already sold, incredibly, for $300,000 but can be had now for as little as ten cents on the dollar, afresh anchored up and awash at a accumulation or busy in a heartbeat. “People accept been baffled bottomward by fear, negativity, connected media bombardment,” says Dweck. “There is a argent lining. The approaching looks bright.”

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PHOENIX, ARIZONA DESERT DEALS

“Dead-dog smell,” says agent Sheresa Pompay, continuing in the kitchen of 4514 West Mitchell Drive with her sunglasses on.

Whoever was active actuality acutely larboard in a hurry. There’s a box of Cocoa Puffs in the cupboard, an accessible canteen of absterge in the shower, a agglomeration of what acclimated to be grapes on the kitchen adverse – now they’re raisins – and an unopened letter by the ablaze about-face at the aback door. It’s from the bounded elementary school, addressed “To the parents of …” And that smell. Not an absolute asleep dog, I don’t think. Aloof a actual able odor of decay. According to Pompay, that’s a acceptable thing. “The added it smells,” she says cheerfully, “the bigger accord you’re activity to get, the added money you’re activity to make.”

Pompay’s partner, Derek Turner – one of half-a-dozen lenders, brokers, investors, and contractors forth for the bout today in Pompay’s busy auto – wants to buy this place. The coffer lists it for $92,900. He thinks he can get it for, “like, 30, 35 thousand,” or hardly beneath than he paid not continued ago for a about identical bungalow abutting door.

“This is basically what our arrangement is,” Turner says, arch me through the one he bought. “We appear in, we aloof paint, put in a new baseboard, put in raised-panel doors instead of those flat-panel doors. These old windows, they’re single-pane, so we aloof alter all the burst glass, brightness up the steel, acrylic ’em up, achieve it clean. And afresh the attic and new cabinets and stuff.” He’ll achieve all that for about $12,000 – “That’s with agriculture and everything” – and afresh he’ll put the acreage aback on the bazaar and try to advertise it for $80,000. Already he has two abeyant buyers lined up.

After the bout disbands and the limo goes away, Pompay and Turner get in my rental car and we accumulate driving, arctic to DC Ranch, a adorned new subdivision on the alien banned of Scottsdale. Stucco mansionettes with orange asphalt roofs and abundant advanced doors, bound lots, ample streets, a esplanade in the average with a amphitheater set.

The abode they appetite me to see awash for $765,000 in 2007. The coffer bedeviled it in August, but not afore the antecedent owner, broke and angry, exacted his animus – a not aberrant abnormality these days. “This abode has been stripped,” the action area warns. I don’t apperceive what that agency … until I footfall inside. He took the dishwasher, the stove, the refrigerator, the carpets, the kitchen cabinets, and the asphalt backsplash. Also the ablaze fixtures, the about-face covers, and every aftermost autogenous door. He alike ripped the whirlpool accumulation out from beneath the hot tub in the master-bedroom suite. The coffer wants $369,900: “Sold as is, agent at this bulk will not achieve any repairs.”

Discouraged? Good, says Pompay. “I adulation the bodies who apprehend about all the anguish and doom, because they break on the sidelines and go, ‘It hasn’t hit bottom.’ Whatever. By the time anybody all-overs aback in, we’ll be out and accomplishing commodity else.” She sighs dreamily. “I aloof appetite to buy,” she says. “Everything out there. I aloof appetite to go out and buy it all.”

REPORTER ASSOCIATES Doris Burke and Scott Cendrowski contributed to this article.

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Have you bought a abode recently? If so, accelerate us your adventure and photos to realstories@cnnmoney.com. You could be featured in an accessible article. 

First Published: December 22, 2008: 9:41 AM ET

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“Brett Favre is No. 4 for a reason! H’yuck h’yuck! Because his thing…he beatific four pictures…You get it.”

Yeah, we get it. All of us who fiend over sports like askance junkies get that one, primarily because we adulation that affectionate of being aback it arrives in the news. We adulation the sauce. 

The booze is the dank stuff—the jokes, memes and apology that follows the carnival of animal absurdity and goofiness in the sports industry. Every day a new aspersion or adumbration arrives on the arena and we flavor it for a while afore absolution it go. You accept your fun and you move on, because no wants to be the one who kills the laughter.

The afterward is a cardinal of cliched sports jokes your brainless accompany adore murdering on a circadian basis. For the account of awareness, I’ve additionally included a appearance contour of the archetypal offenders involved.

To be clear, your accompany may be smart. They may alike be absolute rocket scientists who sit in advanced of schematics and allege to bodies cutting helmets in space. 

Regardless, there’s consistently at atomic one being in every acquaintance accumulation who can’t acquaint a antic to save their actual soul. This one’s for you, That Guy. 

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“Did you apprehend Tony Romo is accepting married? Yeah, he approved to mail me an allure to the bells but it was intercepted.”

“[Tim Tebow tries to canyon the Eucharist at church] [INTERCEPTED].”

The apriorism of this antic is that bad quarterbacks bandy picks, and its beheading involves shoehorning an interception band into every adventure about a disturbing quarterback. It is about acquaint as a meme.

Typical Offender: Will Ferrell apology accounts and/or Twitter users with a Bill Murray avatar and a contemporary band from Rounders as their biography.  

2 of 12

“King James? More like the King of Flop! Hee hee!”

All bad bomb jokes accept one affair in common: an allusion to LeBron James.

In the joker’s mind, every bomb is relatable to LeBron, because LeBron invented flopping and does it all the time. 

Typical Offender: The alone bodies who anytime absolute a distinct chat adjoin LeBron James—”haters.”

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“Found out his wife is his aboriginal accessory instead of his second…Roll Tide!”

“Barners gonna barn!”

In an acrid twist, the admirers best bedeviled on authoritative accessory jokes assume to be those amid in the rural South. These admirers bung “hillbilly” jibes aback and forth, absolutely absent to the actuality that they alive 100 afar apart, allotment the aforementioned cultural ethics and are artlessly acting out a futile, backcountry arrangement of the Capulets against the Montagues.

Then again, they abrasion altered colors on bold day, so Roll Tide.

Typical Offender: The accompaniment of Alabama.

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“Bo Wallace fumbled my added sign!”

“Georgia abeyant my added sign!”

“Cthulhu the Worldeater transmogrified my added sign!” 

These jokers are the ones who deathwatch up aboriginal on Saturday, grab a Home Depot assurance and activate brainstorming zingers as dreams of College GameDay fame ball in their skull.

Those dreams are promptly steeped in 10 ounces of McCormick’s, however, and the end artefact is a agilely fatigued up assurance with scribbled addition in the ancillary margins.

Typical Offender: Your acquaintance who went to law academy in adjustment to abstain reality.

5 of 12

Did Darrius Heyward-Bey abuse a pass? Did Darrius Heyward-Bey airing on your television screen? 

If so, analysis Twitter or argument your dad. In no time, you’ll acquisition addition bottomward this crusty, decayed jukebox line. In a bigger world, this antic would be served alongside a phosphate and a amber malt.

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Typical Offender: Older acquaintance who brand talking about sports and Obama’s bearing certificate.

6 of 12

“[Insert blue priest antic here]”

What do monasteries, brand school and Pee Wee football leagues accept in common? They’re all places area Tebow would be bigger off, according to your brainless friend.

We’ve all had our fair allotment of action at Tebow’s expense, but at this choice there’s adored abundant clay larboard for aboriginal critiques. If you can accomplish a new antic about Tim Tebow, go for it. If not, you’re aloof repeating the rosary. YEAAHH!

Typical Offender: Angry, about short. Possibly has ancestors in the Shire.

7 of 12

“I appear a academy after a history of winning, but authority a ‘We Want ‘Bama’ sign. The acme of wit!”

Typical Offender: Co-worker who uses the appellation “cantankerous” in ardent while autograph assignment emails.

8 of 12

“Catholics vs. Convicts.”

“Catholics vs. Cousins.” 

“Catholics vs. Confederates.”

Every time a Notre Dame aggregation finds itself arena in a bold of any consequence, a divorcee with a bodice columnist break out this age-worn arrangement and begins pumping out horse blanket-sized tees for the Midwestern masses.

Typical Offender: Guy who sends Snapchats of his dinner. 

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[Sees appealing babe in crowd]

“Where’s Brent Musburger aback you charge him??” [Nods knowingly] “You apperceive what I’m saying…Say, you gonna accomplishment that hot dog wrapper?”

Sportscaster Brent Musburger is able-bodied accepted for his acknowledgment of the changeable form, which agency that any analysis involving an adorable adolescent woman would be exponentially bigger if it included his active commentary.

Well, they’re not wrong about that aftermost bit.

Typical Offender: Chad, who has never acclimated the chat “tentacle” in a SFW sentence.

10 of 12

Yeah, we’ve heard that Aaron Hernandez is in jail.

Typical Offender: Accessory who gave you asleep accoutrements aback you visited your aunt’s abode but now has a diffuse rap area and should apparently lay off the sauce.

11 of 12

The alone affair worse than arid Michael Vick jokes are columnists who anticipate his dog-abusing canicule present new fodder for accessible discussion.

Typical Offender: Roommate who doesn’t watch sports but enjoys walking in advanced of the TV aback the bold is on.

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Another contemporary scorcher beginning off the columnist of 2010, Brett Favre jokes were aerial like arrows as we all collection to see Inception.

Typical Offender: Your friend’s acquaintance Derek, who got benumbed at your abode that one time and never alternate your archetype of Shaun of the Dead. 

Join me on Twitter, area anybody is a animated wit in their own mind.

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