But with the competitive market, we are concentrating more & more on off-market. 

I have an MBA with a concentration in Management.  

I've been concentrating my efforts in East Hartford and Manchester.

Anyway, I started concentrating on three different REI groups around NJ and collecting a couple good "rehabbers" & "investors" cards.

I just hope they all don't start dumping the market with homes in a concentrated / short span time.

If all 200 of your letters were concentrated in one area, I would try expanding the area and moving.

I doubt investors at the level of investment we discuss on BP will not see much of anything from these international concerns.I have not read the requirements and I doubt I will as I understand that liquidity issues has more to do with loan concentrations than individual loan underwriting especially in residential lending.There is usually a cut off for the applicability of reserves for state chartered banks and different than national banks.

Yes 2 of my main concentrations are probates and absentee owners.

Concentrate on getting a great deal for the first one.

For now, concentrate on learning about equity and your market.You can buy lists of properties with equity in your market.