A GSE (Fannie, Freddie, etc) will typically be more robotic and focus on hard numbers like DTI.

Remember that hand-written mail with a first-class stamp has a better chance of being opened (51% better, I've read).I know of at least one service which has a factory full of robots "hand writing" letters and envelopes with "Bic" pens.

One option to stay liquid and still see some double digit gains on your money is robotic trading software - give u Hedgefund level automated trading and it mitigates downside Rick - pulls you into cash position if any stocks get outside normal dips. http://flipstockmarket.com I've held my money here (15%) return and just pulled some out for a commercial deal.

Direct mail marketing with Robot Ink. 1000 letters per month.

Direct mail marketing with Robot Ink. 1000 letters per month.

I have about $20k in crypto, $5k in a wealth simple robot investing account, my partner owes me $25k that she will be paying back over the next year, and my brother owes me $30k that he will be paying back over the next year.

Looking for structural engineering services, calculations and permit submittal with responses to comments in San Diego city.

Lender is US Bank so I am dealing with a lot of robots there that don't really have answers. . 

I worked in robotics and programming while frustrating was humbling because if it's not doing something right then it's 100% on you.

Make sure you do not sound like a robot.