If the property is an REO, just forget all of this, but if it is a regular seller, you craft a letter explaining that you are just getting into investing, but you have a family history in it and you know they are getting cash offers, but you can provide a higher offer (has to be substantially higher than the cash offers or there is no chance) because the 15-25k difference isn't much on your monthly payments.

I am very meticulous on processes(probably the military pounding it in my head).

If this is for a rental, don't be too meticulous or it'll drive you crazy when the tenants inevitably scratch it!

They cant pass a damn budget nor work within one, but they have all the time in the world to craft bills that dont even come close to addressing the real problems.

Meticulously track all results.

As far as winning I wasn't aware that this was a contest, And yes I will always be a student, because I enjoy learning & honing my craft.

Earlier this year my body decided that it was done with crappy hours on a truck and I decided to transition into the family craft of real estate; as an agent.

It’s hard for us to craft a solution, without finding the borrower’s pain, but this is usually an affordability issue, where we rely on borrower buy-in to set up an acceptable win-win solution for all parties involved.

Don't assume they'll be the same answer.Just as important, absorb all the suggestions here then craft them into the words that are comfortable for you.

Research, Due Diligence (DD), and Leverage Research your area/craft/skill of choice.