I think what I'll probably do is send mail, but keep the tone of the letters fairly informal.

This is a higher risk loan for a lender, so expect to need 20%+ down, higher credit score requirements, interest rate to be a bit higher and a prepayment penalty.  

Almost all of Detroit proper itself is bad except for a few pockets and midtown which is only a few square miles, so one would have to either buy in one of the pockets or go out of the city itself where the numbers just don't make since for rentals.The properties had been rehabbed as almost all properties in Detroit are going to need that.

(Unless you have a good market there and there's possibility of someone else jumping on it) Then propose cash, and ask them to subordinate to a loan (if you're going to need a loan the owner carry will come behind that).

Lately we have been using 2 tones of gray...  

Or at least not another f/t one. 

It's going to need a few more things to be FHA approved, but they're relatively minor.

It's a muscle that you build over time. 

This condition can lead to muscle imbalances, lower back pain, and reduced mobility.

To pretty much everyone here, a lead is someone that wants to, needs to, or has to sell their house.To most, a lead is someone in some sort of distress, like foreclosure, absentee owner, probate, inherited a home.To most a lead is when they see a house with tall grass, boarded up windows and notices on the doors.