First of all, the iPhone 4 on Verizon does not use a SIM, so it can't be unlocked in that sense. To do that, you will need at least an iPhone 4S.
Otherwise, before Verizon will unlock a phone, it needs to be on an active Verizon acct, and that acct needs to have been active for at least 90 days.
Thanks for the quick answer.
Therefore if I picked up a iPhone 4S I would basically need to organise with the seller to unlock it before the sale was made after which it could be used?
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Yes, that should work.
Thanks for your help!