Your targeting is limited to an entire carrier route and there is absolutely no personalization on the piece such as name or address.

I was just today looking at the ad holder in the child carrier section of the SHOPPING CART at the grocery store, thinking I'd like to see my ad there!  

If you send a "sneaker" piece that misleads people, you will need to be sufficiently compelling in your sales conversion to address any concerns regarding trust and comfort with someone who fooled them with their mail carrier (envelope).The purpose of the mail piece (letter, postcard, etc.) is to get someone to raise their hand and say, 'I'm interested in learning more' so they call (or write) you.

I haven't even started REI and already have two delivery carriers out looking for prospects for me.

When out in a tight spot I react apologetically and then reintegrate that I'm just the mail carrier, whom also has to abide by the rules.

Insurance carriers have different risk pools and constantly re-evaluate their rating based on those pools, so the rates at any one carrier will naturally fluctuate on any particular type of risk.I think it's a good idea to insure a property for replacement cost, at least at first.  

I have a mail carrier that rents from me .

It is common, but not all carriers offer it.

The work performed up front, the lower the percentage and vice versa.Vacancy: Also estimated between 5-10% based on the property, current tenant situation, and neighborhood.Insurance: Insurance carriers always vary, so I encourage you to shop around.

@Lupe Cartagena, I am independent broker in CA have access to various flood carriers.