Do you need $94.5 to pay a gambling debt to the Mafia? 

If you pre-qualify or are pre-approved for a certain rate, that's usually because taking into consideration your characteristics and qualities as a borrower per their guidelines you fall into that rate bracket or tier.

What are the main characteristics distinguish the class level?

I think of these other coins as penny stocks and as I am a gambler I bought them as a gamble and if I sold today would be what.....a 2000% return not bad lol when bitcoin hit 2k this year I started watching again.

You can be too risk-averse but you also don't want to gamble.

Direct mail is great because we can run filters based upon property characteristics like equity, years owned, age of seller etc.. then we can use sub lists like code violations, probate, unlawful detainer status to bring in hopes of motivation. 

Running this list will tell me where the cash investor are buying and which characteristics are the sweet spot. 

If you also want beds, baths, sq ft and other property characteristics, you'll need to take that APN and go to the assessors office, the recorders office doesn't have it.

Actually, I think the anti-mentoring sentiment is characteristic of this particular forum.

If you can only send $200-$400 worth each time it will just potentially take you longer to get your first deal.It is also important that you have knowledge of what deals are worth and in what areas to mail and concentrate on.PM me and I can help you identify some of these characteristics.