However I have heard major banks and other lenders are 45-50 days out for closing times.

New to the real estate market but willing to learn and devote majority of my time to make a brighter future for my family. 

Be sure to check on the HOA; what is their account balance, are there any major/capital projects that are planned/needed.

There is one MAJOR difference...and it's not the company...

This was one of the major things that was holding me back on buying property in the first place with fears of not having enough time to be involved physically.  

Nothing "to" major.

@Joseph ScoreseThanks for continued explanations....I almost feel I should have majored in financials in college.

Are majority of your projects single family homes?

With higher end properties in say a mid west market were Curt is remember you can buy BRAND new construction for 140 to 160k a door this is what buyers will compare to your 20 YO house thats been a rental.. to get retail value you would need a major renovation.I have been doing some renovation deals in the mid west last 3 years and you have to totally dial them in to get anywhere close to an appraised ARV or what you think is retail.. and I mean totally ... buyers in these markets have an over abundance of choices.. you may find that TINY pocket that is hot but other than that I think my statement is pretty accurate based on my personal experience in the mid west marekt place since 2002.

So obviously I have a lot of writing to do.My main questions are this:Do I write a separate letter for each issue, or 1 or 2 separate letters, 1 for major issues and 1 for minor issues?