As @Ned Carey said - on a volume of 100, after 1 mailing - expect NOTHING to come from that and feel pretty special if anything does.  

I have noticed on some threads the name of the person posting is being displayed as N/A N/A.

Now enter your cost of the note as the present value, and the number of remaining payments as "n" and compute the "I" interest rate.

There is a wealth of information here. as Ned mentioned the guide is a great place to start.

As @Ned Carey  points out, a substantial number of areas do have income discrimination laws that prevent landlords from discriminating against fixed incomes (including the entire state of CA).

I do NOT know the laws in your area, but if I was a landlord I would only rent 1 month at a timeIf you take 12 months up front you may be stuck with them for a year, as @Ned Carey said The tenants often offer yearly payment up front to get in your property Do NOT fall for this,it could cause you lots of stressDo all the propert screening and forget about the cash offer Good luck @Johnny Dong

Lots of multi families in Houston to do as Ned suggests.

As Ned said, most are not very good properties.

As @Ned Carey pointed out, this varies quite a bit state to state.

So, contact them asn ask them why they are charging it.