ROA isn't something I've looked into before, but from what I read, it's an indicator used to calculate how efficiently I can generate using my total asset?

I need one for speaking to sellers efficiently, and another for advertising, mailings, data entry.

If I were you, I'd install a high-efficiency gas furnace(they can reach the mid-90% range for efficiency.)

Hope you can get corrected efficiently!

If you recommend people that aren't efficient, that reflects on BP.  

Chris has researched, advocated and built numerous energy efficient (Green) homes, while implementing a variety of sustainable and eco-friendly (zero waste) construction.

One private lender locally I know of does offer those second and third position loans to the crowd - high risk, equally high return - though I suspect they'll get disrupted by more efficient crowdfunding platforms.Bottom line: as a small-time borrower, the crowdfunding platforms are still very expensive and not generally useful for long-term first lien financing.  

We are looking for someone reliable, efficient, and knowledgeable that can work directly with us and our tenants.

But the default classifications are still tax-efficient forms of ownership because the income is only taxed once, at the owner level. 

Any advice on the most efficient way for my direct mail?