It needs to be signs, mailers, business cards, networking, bird dogs, driving for dollars, classified ad, online classified ad, etc, etc... every single month.

I would be VERY cautious of this lender for the following reasons:1) They are outside the US. 2) That's a pretty hefty upfront "processing fee" they are charging. 3) On another real estate lending blog site this "lender" has advertised real estate loans at "a low rate of 2%".

I want the total payment to be about 70 or 80% of the amount charged for the apartment.

You will need to purchase any private mortgage insurance, and the VA limits how much the lender can charge you for closing costs.

If I do get this property, I plan to provide washer/dryer in each unit to make my units stand out and charge $600.

I included a business card in the 4th mailing, but other than that it was pretty similar to the others.

Others charge a consultation fee.

These HUD-certified counselors charge no upfront fees for loan modification services to stop foreclosures.

I can give a couple suggestions if you're interested.In my opinion, anyone who charges for the knowlege is not a mentor.

Is your question "do you think the oil company only put in 148 gallons when it would have held 150 or more so they could charge me a higher price"?