@Suzanne BolesWell I have never seen a legit lender on the initial contact form ask for place of birthThere are 100’s of legit lenders out there - recommend sticking with them

My initial open house gets 8 to 10 visits but my 2nd has a noticeable drop off to maybe 5 to 8.  

Cash flow was not huge initially but I also did not need it to be.

One of our investor clients purchased a four unit there last year, and he has seen incredible rents 15-20% higher than initially projected. 

I don't see any way that this would be the case as there are no amendments or term changes at all from the initial lease to the renewed one. 

Initially I listed for free on Zillow4 days ago paid flat fee MLS to list on MLS and have zero leads from there

By the way, they do not set the interest rate on the loan until they fund it -- so it could be higher than what you are initially quoted when qualifying for the program.  

While a hand written addressed letter, I feel would get my attention a bit more.I won't be doing thousands of reachouts initially, just 250 or so per month so while letters would be more time intensive, I am open to it if the response rate is better.

My answer would be yes for the INITIAL bill; however, after that they are on the hook because they failed to tell you there was a problem and now 3 months later, they are letting you know.

Have you offered acceptance of your initial capital bank in return for a release and waived rights to the accrued interest?