The availability of data has improved due to online resources and increased Public access to government-funded research. Appraisers are always working on the confirmation of  and understanding of recent transactions. We are having a difficult time confirming the sale of notes sold by local lenders. When a property is in distress or loses tenants the outstanding mortgage amount can be less than value of the property. The lender will often sell the note at a discount. The note buyer then steps in and forecloses the loan. The terms of the note purchase are not disclosed.