Rates are the most insignificant aspect of a loan and have almost nothing to do with client experience.For clarity, I'm not knocking MM. 

You need to start driving for dollars and knocking on some doors..

One of the neighbors down the street knocked on the door and told him how that car was bring down the look of the neighborhood . ( bmw's and mini vans ) .

I cut turf, knock on doors and im able to connect with people.When the market gets saturated it's quality of interactions (handshakes) vs quantity of interactions (mass mailers).  

(knock on wood) Rooms/apartments are very easy to rent in that area.

If your credit is strong, do an 85% Cltv  (75/10)  Rate/Term Only refi 75% ltv  1st mtg10% ltv   2nd mtg  (simo  close) No Escrow that would eat up LTV space No PMIDivide and Conquer, can knock out 2nd mtg in the future   

So I recommend going to your property and making sure that someone will be there to meet you to give you access(have a backup plan or two if they stand you up- knock to see if there's a tenant, and if it's obvious that there is no tenant, bring proof of ownership, call a locksmith, and get in there to take some video.)If you decide to stick it out, I'd promptly fire Morris Invest and hire another manager.

Knock it off.3.

I start with Lauren B’s suggestion then go knock doors in the neighborhoods with the highest concentration of these type of leads without saying “hey did you get my letter 2 weeks ago?”

Shella...I think I can help u knock a lot of the repair costs down.