I figured I'd have better luck with mailing the small mom and pops directly and getting a call back than I would hiring a commercial broker to try and find a deal like I'm looking for that is likely not a big payday for them.  

These funds go towards insuring loans that don't perform.There had been a proposed rate reduction on the amount of annual mortgage insurance that was set to take effect on January 27th.

I am looking for tips and suggestions how to effectively start this process and what key elements should I look for during this process.

Personally, the most effective thing for me is to jot down couple of points I want to touch on. 

I also said that regardless of the eviction that I am sending a nonrenewal on her MTM effective March1.

Does anyone know of a brokerage that offers effective training (regardless of split) in NYC/Brooklyn or online?

Yellow Letters are next on my list but I'm still trying to get a grasp on this method as of where to target and how that effects my response rate, hand written letters or using a yellow letter provider, and who someone would recommend, etc.

Same effect.

@Michael HealyWe have a couple of similar tenants in a building we purchased in November ... despite providing 45-days notice that new leases would come with the new year.Depending upon the tenancy law in your jurisdiction, you may be able to include a clause in the lease whereby it automatically comes into effect if the tenancy continues into the next rental period (or month) following the presentation of the lease for signing.  

Good Morning,How would my DTI be effected, assuming I take out a 10 year HELOC ( maybe I should opt for a 20 year ?