But I do picture overtime, more and more direct booking/new players will come into the space. 

There is a REIA event tomorrow, (Thursday  4/13) that many of them will be at.I'd love to meet you and introduce you to some of the serious players in this market if you're interested.

And that is a last resort option for the bank.I have understood that a foreclosure, esp with a bankruptcy release is a $20K expense for a bank. 

I have thought about trying to meet the MF players here in my local area.

As a last resort, If I needed a place before the disbursement came through to my checking account, I could have aways provided an official letter from my financial aid office projecting what my refund would be.

Melissadata and listsource and two of the big players.

They are the main players in referrals and they will have the details about what they are looking for.

(last resort or back up strategy).

There are 2 ski resorts up there and tons more in the mountains.  

Learn where and how to meet the players, it isn't done by a mailer, mom and pops may respond to a mailer.