And according to jay those HML that do are regional and require premium points and apr for the money.  

I asked to see a property and was told "without a pre-approval for a loan we don't want to show the property"I don't have pre-approval from a bank and this is because I have enough cash to pay for it, so didn't see the need.

You mentioned you send your callers to a pre-recorded message.

I've done what you are talking about and have a pre set house to be built (many have sold before I even break ground).  

PMI is another cost figured into the APR.

I live in an area where finding a pre foreclosure home is pretty easy to come by as I live in Atlanta.

I'd be very interested in seeing a package for someone who could make 20 to 30 outgoing phone calls or inquiry emails per day, from a pre-selected list of opportunities, and fill in a standard grid of information like asking price, rents, address, % occupied, offering seller financing, etc.

Later on that evening (like 12:30AM), I get a pre-approval letter from my original lender, 4.0% rate for 20% down.

In my market, like most, you have to submit proof of funds (in paying cash) or a pre-approval letter (if submitting a financed offer) along with the offer.

I have found a property close to me by driving for dollars that seems to be a great deal, my main question is the property is vacant and has postings on the windows from xome.com. I am curious as to how far into the f...