All good input here and agree, there is no reason to sign a "contract" for employment to basically be their birddog.

What other marketing ideas can I employ that will target these same group of people.

., I don't know that I would choose RI or even the Northeast because I don't think the demographic and employment trends are super favorable for this part of the country, compared to others.However I think if someone is already in RI or this part of the country for other reasons (e.g., family or job), it's a perfectly fine market and you can still make money.I also think that if one is savvy and pursues a niche or two, that you can make money pretty much anywhere.

Pavel is correct, it isn't as easy in MPLS as it is in other areas. 

It's not exactly a "how to" book (the note business is probably too vast for just one book) but it does offer an introductory overview of the note industry as a whole, as well as feature some creative note strategies you could employ with traditional Real Estate that I used throughout my career.

I feel the exact same way & wam to employ the same strategy.

Look into where the better school systems are, companies moving in/employment growing etc.

Employers.

I had a similar applicant with 600 credit, great manners, few collections on repot, employed, looked like a true gentleman.

.- Diverse employer base.