What made you interested in investing in this type of deal?

There are many non-conforming alt such as asset loans, a stated type income where they go off your gross income.  

Particularly the Carolina Forest, Arrowhead type communities towards Conway the 501 corridor heading away from beach.   

@Kevin Ramos  the other  thing you might want to  play to  is   the type of people  who  do rent MTR in  your  area.   

They had those electronic locks where you type in a code and the deadbolt electronically unlocks.

The response has been good...I see no reason not to be completely honest up front as to where you got their information. imo, if they are truly motivated it probably doesn't matter if you send them a note on a napkin.I think I remember Sharon Vornholt offering condolences and she seems to be the expert in mailing probates so my opinion is pretty much irrelevant as I am by no means an expert at direct mail to probate leads.I think that sending different types of letters would probably go far..standard generic yellow letter, a yellow letter with different wording maybe 2 months later, a business letter with your photo or logo on it, a white letter that looks personal...it seems that people are going to respond differently to different looking mail pieces...maybe offering condolences works well in certain areas of the country and not so well in others?

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Anyone have insight into a lender offering this type of HELOC?

I am trying to have some type of estimate so that I can assess whether what purchase price would be fair.

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