D espite its fast-growing popularity, the Dakota Rail Regional Trail -- offering scenic views from wetlands to stylish homes on Lake Minnetonka -- still is missing one important attribute.

D espite its fast-growing popularity, the Dakota Rail Regional Trail -- offering scenic views from wetlands to stylish homes on Lake Minnetonka -- still is missing one important attribute.

I've seen a lot of sellers struggle with writing a short sale hardship letter. Generally speaking, they start out OK by talking about how they got into their present situation, but about one-third of the way through the letter, they seem to change course. They take this unexpected 90-degree turn. It's...