Also I had to push hard for 1 year straight to pay off credit card and personal debts.

When your letter looks clean, professional and has a straight-forward message sent multiple times, you will stand out and you will get calls.

I forget the term they used but it was something like a straight line refinance.

Let me know if you are interested and I'll make sure they have a discounted guest pass for you.  

But of course, nothing is stopping you from ASKING for a closing discount this time, using potential future business as your incentive to them.  

Buying equity or cash flow at a discount?

As for the service fees, my understanding is you can't charge more for CC use, but you can offer discounts for cash/check. 

Have you thought about discounting the sales price?

The cornerstone of the wholesaling business is marketing for motivated sellers, sellers who for one reason or another are willing to sell at a discount.

On the 2% rule-As I see many have touched on, here in the Milwaukee area where I live and invest, if that's your big deal over everything else, then I can direct you straight to the toughest and roughest part of the city even though Milwaukee's not huge, its still about 1.7 mil in the metro and our toughest areas are often downright dangerous at night and even during the day at times.