I am a token example of why you should think hard about what you want to do with life before settling for a "career path" just because it is what is expected of you :D .

Two hours a day is sufficient for cold calling when you’re doing everything yourself in your business.

Since your mind thinks in pictures the images that you create can help provide sufficient pleasure to overcome some of the short term pain that may spring up on the way to achieving your goals.Imagine that you are out running in the woods.

This would be sufficient as an explanation except from what I've read on the net there are folks who don't want to receive direct mail and hence they pay the DMA to remove them from lists and they also do things like buy a stamp that says return to sender, some of the postcards have this, and write similar expanations on the card as excuses.

Apparently, your business proposal does not go into sufficient detail about what start-up costs are, where the money for start-up is coming from, what operating costs are going to be, and where the money is coming from.You are not presenting a financial team of management that is going to make the business succeed (because with your lousy credit and lack of money, I am not going to trust you to do it).That's just a start of why I wouldn't give you any money.

They are saying that our approval from 3.5 years ago is no longer sufficient.

Doing it in the contract is normally sufficient but I've seen some agents who do it in any initial interactions.Also if you came across the property in your "normal" day to day work as an agent, then you have to disclose to the seller the fair market value of the property.

I would assume a sufficient amount of equity plus enough of a spread for my end buyer to make at least $20k on,even w/ my assignment fee, correct?

You don't want to seem heartless, but on the same token, you get 2 of these attacks and the damage eats up any profit you would have for a year in renting.Then what if the violence goes to the point of murder?

I was just going to do an addendum - but it sounds like that might not be sufficient.