They can miraculously be "lost" "eaten by the dog" or "stolen by aliens" who never seem to take them back to their space ship but only as far as the nearest pawn shop.

Anyways the question I have is this...I'm really trying to figure out where to put money first as far as marketing goes, have website and business cards etc...but as far as the marketing goes its a tough decision.

There's hidden costs of extra miles on the car, business cards, website membership charges, business license, training materials, ect. so even on a shoestring you're going to need to budget.

I want to take business cards to hand out.

 $20k is something that can be obtained from a credit card or a personal/business loan/line of credit.  

Out of 1000 postcards sent out I have about 1 potential lead, That I'm still waiting to hear back from .. not sure if it was the post card I used or just bad timing .

Like a credit card, it has a max limit and allows you to use only as much as you need up to the limit and pay back as you want.

DL, passport, SS card?

I have tried internet www.ehomzz.com, Adwords, Yellow notes, Post cards, etc.

These people are getting 2-5 cards a month.