That's why I was hoping someone could provide letter samples @Steven Hamilton II.

It is a little odd that you were outbid on properties that had already been on the market for months though. 3 times is too small of a sample to draw conclusions on your strategy.

Then going to cheap events ( guerilla marketing) and handing out free samples.

Any idea where I can get sample 401K loan agreements?

It seems the lower end of the market has a better cost:rent ratio.Taking the $69K - $650 rent as an example (there are a bunch of these units for sale; they're in a complex with a lot of units for sale), let's say I bought 4 of those (although I wouldn't want to put all my eggs in one basket buying all in the same building, but this is just for samples sake).Using a 15-year amortization period with a 3% rate (I'm in BC, Canada), and a purchase price of 65K and down payment of 30K (46%) on each place, that would work out to a $241 monthly mortgage on each.

Would submitting an offer contingent on determination of suitability to build by the county (soil samples, utilities/infrastructure improvement costs, design approval/permitting, etc) be considered common and reasonable for a vacant lot purchase?

The wording is on page 7.http://www.platrealty.com/pdf/Sample%20Lease.pdfit also defines surrender on that same page.

Say if I buy in the City of lemon grove in the county of San Diego, my rate would be the County 1% + City 0.13% (ballpark sample, didn't look up actual) + sewer (if applicable) + trash (if applicable).

Here is a sample kitchen I put together quickly.

Here's a sampling:1.