However, I do not have the time or strength to hand-write all 250 letters of the length I am looking for and was planning on hiring students to do it for me.

And, I have students all over the country.So, with that being said, why would I advise anyone to consult with, or worse yet, pay an attorney to draw up a lengthy document full of legal jargon that nobody can understand?

[Editor's Note: Special: What the Mainstream Media is NOT Telling You About The Economy]Bernanke also encouraged investors to step up and accept more so-called "short sales," where the bank accepts a lower payoff in exchange for avoiding the lengthy foreclosure proceedings.

I was going to respond with a lengthy response until I read BryanA's post.

I also will do a perimeter treatment as well as a granular product on the yard.I like to over due the bug killers!!!

Then there are the ugly things like a lengthy eviction or major tenant damage.With one rental you may get lucky and avoid those expensive items.

Longer overdue taxes could mean a tax certificate was sold and the property could be in jeopardy of being auctioned.  

theres a thread on here somewhere that is quite lengthy type in his name and it'll come up

To answer your question, your agent may have some suggestions and your GC certainly should give you his opinion but have an idea of what you want to do and bounce it off your team.  3 & 4 - Traditional will certainly fetch better rates than a Hard Money Lender however you will likely have to go through a long and lengthy process. 

That is why intelligent traders are saying that we are overdue for another slowdown.