Sending out large postcards  usually work best with hand writing.I just turned 60 years old and I have plenty to say and I have been learning on BP for about a year full time while I medically recover and this is.

I am a stage 4 cancer survivor who hopes to leave my current job within one year to do real estate investing full time as I need a better way to pay medical bills and be able to pay for current and future medical care.

What's the legal procedure I could do that?  

Buying a rental property during medical school?

We have 750+ credit scores, decent liquidity for a down payment (we can put 25-30% down), we have modest but stable income, but we have tremendous student loan debt from law school and medical school.

I eventually found a deal in an area close to a major medical center, the University, and a military base. 

Or is it standard procedure and something that will be handled at closing?

The process is fairly smooth in terms of actually bidding online, but you must follow all procedures as outlined on the site for them to look at the offer.

Is it because of something like medical bills or school loans  that may have happened in the distant past or is it low because they have been late or don't pay utilities?

I live in the Medical Centre area and had the water touching the bottom of my door.