By MARY UMBERGERFour years ago, when Judy Cruz decided to try to sell her house on her own, it couldn't have been easier. She struck up a conversation with a neighbor who said he'd love to buy it from her. Deal done. But when she decided to sell her Chicago condo this year, it was a different story. "I tried advertising it online for four months," said Cruz, who explained that posting free classifieds on Craigslist were the sum of her efforts. "The only calls I got -- and I think there were just five -- were from people who wanted to know if I would consider rent-to-own." That wasn't an option, so right after Memorial Day she gave up and listed the unit with an agent. Her for-sale-by-owner experiences are a familiar story line in housing's then-vs.-now saga, whe...
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