Takeaway contributor and personal finance whiz Alvin Hall has been helping homeowners dissect the Obama administration’s housing plan. Earlier we heard from Pamela Zombeck, a homeowner in Salem, Massachusetts who was struggling to pay her mortgage. Now we sic Alvin on a more complicated situation: the speculator, the guys who bought homes as investments and now have a lot to lose as mortgage payments escalate and housing prices fall. Scott Mintz of Los Angeles bought four homes and has a lot of questions for Alvin.