I'm more wondering what people are paying per piece for post cards vs. envelopes.

Technically SBA doesn’t allow you to pay a second position back for the first 2 years, but there are things you could do to pay the seller back within the first 2 years.

It sits on their credit report for up to seven years. it's a warning to other landlords and prevents them from qualifying for a home loan, car loan, or credit card.I've had some tenants sit in collections for years, then pay everything they owe because it was stopping them from doing something.You should consider a new PM.

Ask them if any maintenance is needed and how much they are paying for rent. 

I'm thinking about selling in the next year and I have read that if I now live in the property for the last 2 of 5 years that I won't pay taxes on the first $250,000.

To preserve capital, can I make slightly higher offers on properties and have the seller pay toward these fees? 

Many people outsource this effort to call centers - because they would rather pay to have someone else do that dirty work.  

Pay off your debts.

2. should i try the line of credit and refinance and pay off before the 0%3. any other suggestions?

You’ll pay a dear price for privacy and security but peace of mind may be more valuable to you.