.- Population growth: look for over 1% a year, easy to use Census data to compare to other MSAs- Median household income: 3x average rents, growing trend over time.

We've had a flood of $250K a year households come in that weren't here before.

Busy running the real estate business, rehabbing one place, landlording a dozen more, and keeping the household intact. 

And I essentially have no hobbies aside from fishing and household projects, watch no TV, no sports, since I am already spending an average of 25-30 hours per week in real estate in addition to the 40 I spend in W-2 role.

He mailed to millions of households selling books, suits, overcoats, etc.

Hard to pin down lender motivation.Back before short sale was a household word and an income stream for agents, it was not uncommon to negotiate discounts with a lender as a successor in interest and as someone with a controlling interest in the property (as opposed to the borrower).As for liability, what liability are you referring to?

Otherwise, you might as well just do mass-mail, broadcast marketing to all households or change media to TV or radio or (dread) online media.

In my household a letter like that may not get opened until a week later.

@Garrison Householder BTW if "householder" is really your last name you have the COOLEST buy and hold investor name anywhere. 

I have specific neighborhoods in mind that I'm targeting, areas that most of the population has a household that earns a median income above moderate school system low crime?