Typical cosmetic (lifestyle) upgrades we do are better/more LED lighting, dimmers, flooring, paint, trim, solid wood door slabs in place of the hollow core etc.

What stinks is that I am sending him good investor leads, cause these AO's would be willing to sell at a discount and they already have tennants in their property...they are just not the "DEEP" discounts I am looking for.

The response rate doesn't seem to be as good w/ AOs....do postcards make more sense?

What are you trying to do?

But most people still do and those who do are more likely to have a college degree. 

Are you looking for someone to lend money on deals you want to do?

I have a regular chase business banking account and have never had an issue with the type of business I do. 

What are you ultimately trying to do?

The things you didn't do are now breaking.  

90% of the deals we do are fully funded by hard money or cash investors.