There is a house in my neighborhood that is vacant and listed on Zillow that it is in pre foreclosure. Zillow has the foreclosure sale estimate at 103k and the market value estimate at 109k. I have been in this house, a tree branch has fell through the roof. Every bit of ceiling drywall is white mush on the floor, mold growing on the walls and the left behind furniture, clothes, etc..... The owners walked away 6 months ago never to return. I was wondering if this would be a good property for wholesaling and if so, can I make an offer on this house to the bank direct or do I need to go through an agent.