http://finance.yahoo.com/tech-ticker/article/225897/Geithners-Stress-Test-%22A-Complete-Sham%2C%22-Former-Federal-Bank-Regulator-Says And more good ponzi stuff revealed.

I would select a number to mail out first, say 500, as a test batch and make sure you have a very clear call to action on the postcard.

It's another thing to take complete avantage of someone simply because they are poor, ignorant and have no better options I'm not sure how some folks were raised and I am by far a god fearing person, but some things you simply do NOT do to a fellow human being and I believe the rent a centers of this world are the scum of the earth and I put those owners right up there with drug dealers.

You guys in Memphis might test your zips adding great schools rating.

They where testing all types of things there.

1 bedrooms are rare in that area, but should go for $400-$450 (tenant pays utilities)Power and water was turned off so I couldn't really test appliances or AC/HeatMixture of tile/carpetSome units come with washer/dryer, but all have hookupsRoof is in bad shape, needs to be patched or replaced $$$Outside AC units are a mixture of old and olderNo comps available for 1 bedroom 4 plexes in the last yearTax Assessor Value $112,000Roof repair estimate $8,000Analysis Details:Unit 1Tax Assessor Value $159,000Roof, fascia, and stair repair estimate $19,000Planned offer $110,000Current rent ranges from $625 - $550, but rents in the area are listed at $500-$550 according to PMAverage rent $550 = $2,200 monthlyPITI $790P&I $424 (25% down, 30 yr fixed at 4.625%)Taxes approx. $200/mth (from tax assessor page)Insurance approx. $166/mth (lender says this should be lower)Initial Cash Flow $1,410 (= $2,200 - $790)Other monthly cost $1.07015% Maintenance $33010% Vacancy $22010% Cap Ex Savings $22010% Property Management $220$80 average monthly lawn careTotal Monthly Cost $ 1,860 ($790 + $1,070)Final Monthly Cash Flow $340 ($2,200-$1,860)3% for closing ($2,200)8.3% IRR w/ $19K repairs (13.6% ROI if initial repairs are paid for as cash flow comes in)Unit 2Tax Assessor Value $112,000Roof repair estimate $8,000Planned offer $90,000Rents for 1 bedrooms in the area are $400-$450 according to PMAverage rent $450 = $1,800 monthlyPITI $660P&I $350 (25% down, 30 yr fixed at 4.625%)Taxes approx. $140/mth (from tax assessor page)Insurance approx. $166/mth (lender says this should be lower)Initial Cash Flow $1,140 (= $1,800 - $660)Other monthly cost $98015% Maintenance $30010% Vancancy $20010% Cap Ex Savings $20010% Property Management $200$80 average monthly lawn careTotal Monthly Cost $ 1,640 ($660 + $980)Final Monthly Cash Flow $260 ($1,800-$1,640)3% for closing ($2,025)9.5% IRR w/ $8K repairs (12.5% ROI if initial repairs are paid for as cash flow comes in)The big question...

We did a test and remedied whatever was found.

So if you want to do the door knocking/direct mail combo, do that for one area and then maybe test other areas that you mail and door knock less consistently.

a drug dealer?

The test is whether the use of debt increases or decreases your net worth.