I realize people are trying to make a living, but anyone who cold calls me is the last person I'd use for any transaction (plus I have people for that!).  

Overall i am pretty sure that you and I are in agreement - people usually underestimate the expenses, so it is always good to err on the side of having more reserve.

I have taken at least 100 people out to coffee, breakfast, lunch or dinner to let them know what I do.

Because I rent 4 bedrooms house, it's more conducive to large gatherings and parties.Another issue and please tell me if this is normal that when people book for 5 people they usually have at least 10 or 15 additional guests. 

You're definitely in the right place to learn and connect with people. 

If you feel bad and want to save people money, start with a free pre-screening.

Heating costs go up in winter, as does electricity due to the reduced natural light and more people indoors.

If so, there are probably other people like you that would be interested in living there.If you are buying a single family home, almost any town/city will work.  

I know there is a way to get a pre-foreclosure list, but I'm always interested to know where the people that are selling.

We have several different people lined up to clean ours depending on time of day and how much lead time we have.