It takes some serious effort to pull a furnace or appliances. 

Resulting from lenders hitting the pause-button during the robo-signing/mortgage crises in an effort not to get sued by borrowers who were victims of either predatory lending practices or illegal foreclosure proceedings (robo-signing). 

If you have the budget and can tolerate the expense while you sort out and determine an acceptable ROI from your online and offline efforts you may get past your dependency on bandit  signs and become part of a legitimate established marketing system.You might find some useful material by searching Dan Kennedy's site or others known for direct response marketing.

It's not worth the effort to try to have a rental in a neighborhood like that.

Globally, China is experiencing its own credit problems in the housing industry and it also has excess inventory.

Performing: the borrower is paying (typically for 12+ months)Nonperforming: the borrower hasn't paid for several months/years (you need to make them restart paying or foreclose)Reperforming: the note was non performing but as a result of loss mitigation efforts the borrower restarts payingPpr sells reperforming notes where the borrower has restarted making payments for like 3-4 months.

What feedback do you have for the lead choices, do you think it would be better to put all my mailing efforts in a single category?

Thanks for our effort.  

I have great difficulty making the effort to come up with ideas on my own.

Even though people kind of laugh at how easy it is to get your license, it is not without a certain amount of effort.