Both are vulnerable to your environment.

The threat of large losses arising from liability has alot to do about your area, the court system and the prevailing political and social environment.

You can listen to him or you can listen to argue with him which is what it appears you're doing.You have no credit.You have no cash.You have no income.That's 3 HUGE strikes against you in today's lending environment.

This will also create a better working environment for the both of us and maybe we can make a long term partnership.Also with my anxiety, I guess experience takes care of that issue especially since a lot of these offers will not be accepted.

Another, off the wall example might be that he really enjoys fishing with his grandson, so that might be your hook.

I want to think about the environment as I can. 

@Jon Klaus   If your doing that much volume that you can afford call screeners that's a whole different kettle of fish from the newbie sending out 500 letters..

Its why many in the bizz will not buy an occupied house in this environment.

The double walls are fine, although fishing electrical through 1-2 feet of (again) collapsed plaster at the bottom can necessitate cutting holes in the wall - you can't poke anything through that stuff.Anyway, that's been my experience - good luck!

Many other will debate this and, while I welcome their opinions, my reason is because I understand the legal environment here.