The note is usually just one page, but if the collateral is a lien on the property, probably a professional should do that. 

You're marketing the professional service you provide, which pertains to purchase/investment in property.Straight from the FCC:"The term “telephone solicitation” means the initiation of a telephone call or message for the purpose of encouraging the purchase or rental of, or investment in, property, goods, or services"https://transition.fcc.gov/cgb/policy/TCPA-Rules.p...

As such, and given that I'm not from the area, it is critical for my success to establish trustworthy professional relationships with 'locals' that are very familiar with the area.

Though that path splits into either senior or junior liens, each totally different, with different hazards & opportunities. 

@Jessica Freese , Lucky you, this actually can be very beneficial for your taxes.1) If you husband makes less than roughly 100k,  the loss from rental can offset 25k of husbands' W-2 Income.2) Even if he makes more than 100k, Since you dont have a W-2 Job, with careful planning, you can qualify for RE professional status, that will help you use the entire loss from rentals against husbands' W-2 Income 3) You can convert some of your personal expenses into business expenses with the home office deductions, transportation expense ( mileage, depreciating computers, furniture, and other assets used for the rentals, and few more. 4) You can hire your kids and funnel money within the house if planned carefully. 

It's professionally managed, so how low can the rents be?

I'm not an agent but I do use a CRM to manage my prospective leads and related professional contacts. 

A lot of people do not consider the possibility that they aren't listening, dressing appropriately, being professional, or demonstrating good character.

I'm interested in the Vineyard, UT area because its close to my work and caters to the college crowd/early professionals. 

Seniors with Low Financial Stability Scores are another.