Alexander I would like to talk to you about hard money lending, I'm attending a meetup tomorrow at 6pm near Ft.

You might also consider attending the local real estate investing association meetings (kreia.com has the info).  

Welcome Danielle I am from the Muskegon area and plan on attending next month's REIA meet up in Grandeville.

Yes - a letter is helpful, but that should only be part of your approach.It would be beneficial to attend local REI meetings and network.

Unfortunately I've had conflicts the past few months and haven't been able to attend, but it seems like a real who's who of Cleveland Area BP superstars.

There are multiple hard money lenders that attend the BWI REIA.The hardest part will be locating the properties that you can flip.  

Craigslist, RE networking events, bandit signs...just to name a few

I want lower risk and higher returns, which led me to looking at real estate.A while ago I attended a free lunch hosted by a physician real estate investor who works with a syndicator doing large commercial multifamily deals and their presentation got me excited.

.  (**** does roll downhill, just be glad that you're not at the VERY bottom)However, here in Oklahoma, I would highly suggest having the utilities automatically setup to switch to your name in the event of the bills not being paid by the tenant.  

The bank will likely (but you can never be 100% sure) call for "highest and best" in the event of multiple offers at full / near (+ or -) asking price.Tip: Good communication between REO realtor and listing agent/bank = CRITICAL!!