With about 600,000 sales records spanning 3 states we could tell with some certainty what bids would work and their statistical acceptance rate(s).

If you have credit card debts with high rates/high balances I would focus on paying it down to 15% to 30% Max balance to credit limit ratios to lower your DTI - Debt to income ratios, increase credit scores and be in a better position to buy more properties at a lower mortgage rate.

Calling is almost free, door knocking niche lists is pretty cheap but takes a lot of time. 

Both provide better services and better rates than banks.The usual credit application for a mortgage will want to see 3 lines of credit at least 6 months old and preferably 12 months old.

It will pay off the lien and the first mortgage and the rate will be cheaper than a cash out refi.

•The Notes will have a stated, fixed interest rate, ranging from 7.50% to 9.00% depending on the series of Notes purchased.

With that being said, I have shifted my focus to multifamily and apartment complexes outside of our state and/or across the state in hopes of leaving behind the outrageous insurance rates.

Although from what I read, State Farm is rated highly for rental units. 

Do PM's typically take $ of the top of repairs after they have negotiated lower rates?

STR's are a great investment in this area, occupancy rates are extremely high in the summer, and very high during the spring and fall.