If it's a steady or soft local market definitely go through a realtor. 

I wouldn't go to Wells Fargo.  

In their view, while the market is not soft, it has largely traded sideways – hence offering the same rent rate.

Great point @Jonathan Towell personal goals wise, build a passive stream of income alongside my active income. 248 doors!

Tenant is quiet and soft spoken. 

Remember about these soft factors while deciding on a type of property - this would help keep your vacancy rate low and help you find the best most qualified tenants.

Somewhere in my searches I remember seeing a provider for direct mail that would sent out "soft offer" contracts with the mailings that were customized based on the info uploaded through the list information.

Both times were forty-ish minutes of story telling / soft sale, followed by fifteen to thirty minutes of hard sell.

As all of us know - the absolute best financing in the world is seller financing - sellers usually don't care about your past credit history - they don't take months to approve you, there is no turn downs, they don't expect a ton of documents from you and they are easy to get alone with --- NO SO WITH HARD OR SOFT MONEY LENDERS!

I have never heard of any hard or soft rule which dictates a 1:1 ratio of loan to net worth.