| bird, you will need to do a lot of your own legwork here. If you want to find a free list of foreclosures in your area, start purchasing all the largely circulated newspapers in your regional area along with state wide. Thursdays and Sundays are the days where they typically list foreclosures and auctions. You can also start trying to locate the local Real Estate Trade publications. Another thing to do is to start speaking with all the auction houses, banks, and real estate offices in the area. You need to start building relationships with the people who handle those lists. For banks, speak with the officer(s) in the mortgage departments. In all of these situations, they will most likely give you their current lists, but not always. Be prepared to not get much help from them if you are just calling to inquire about their lists. This is where the networking comes in. You need to be able to prove to them that you are solvent and capable of either purchasing outright or qualifying for a mortgage. They don't like wasting their time.
Regarding financing or full cash payment, that depends on your personal situation. There are no set rules here. It also depends on what the organization who is holding the foreclosure is looking for. The up front deposit in the form of a bank check, cashier's check, or cash, will be advertised prior to the foreclosure. | 
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