The seller naturally once the property on a balloon payment after 5 years (92k, I think i can bring it down to 80k but that's another story).How would I go about doing that without a traditional lender?

Balloon payment? 

If so, just ask him to leave you a forwarding address and then a week or two after he moves out write him a letter (based on facts) that states why he is not getting his security deposit back.If he asks before he moves out if he's getting it back, just say that per state law we have 30 days to give it back to you and we need to do our walk through of the apartment to assess for damages once everything is moved out of the apartment and cleaned.

in today's mail i received both a 'Renewal Offer' and in a separate envelope a 'Notice of Cancellation of Insurance' with a 'Past Due' bill demanding $600 plus $10 late fee.since my policy with Farmers ended April 30 and I was unhappy with their rates, as of may 1 i switched to Amica and was told i don't need to cancel my old policy as it expired.some nerve farmers has to mail a renewal offer yet renew it without my auth and already apply $10 late fee barely 10 days into if i had let it renew.i've had other issues with farmers which i could go on and on about, for instance they doubled my auto insurance premium because my discount affiliation letter listed the dates i was active with the organization but was missing a date it was signed by the officer, etc, ridiculous stuff; suffice it to say, farmers?

Can anyone share some of their PC templates and/or letter scripts that get the best response?

Best advice like the above post is to get with a local lender, speak with them about the FHA loan and get a pre qual letter.  

I just received a voice message from a lead from direct letter marketing.

So, I'm kind of laughing at myself right now as the calls started coming in from my yellow letter campaign.  

Hi, is there a discount on postage if I send say 500-1000 yellow letters?  

I didn't even get a decent rejection letter from Brandon or Josh!