Whenever a lender tried to undercut the market in 2020 by 0.25%, they got slammed with more business than they could handle, it would take 4 months to close a simple purchase or refi, and they'd get a bunch of horrible reviews online, local realtors would start to hate them, you get the idea.

In a perfect world you would be able to jump online and know everything, but in reality the process is pretty archaic.

Never purchase a property through an online auction.

Statutes & Constitution :View Statutes : Online Sunshine (state.fl.us)

Locations are not important as long as they on board remotely/online and have a strong "online friendly" presence that can satisfy most general banking needs (attractive ach fees, online check deposit, ect). 

Online SCO or PPC?

i left eXp after 4 years joining REAL in July, both are online with no physical offices unless a team has one, such as myself. eXp did really well for me, in terms of their stock incentives the provided when i first joined in 2017. since then, they have reduced the financial benefits and the main reason why i switched over to REAL which went public on the nasdaq in july. 

I suggest you focus on online presence because you also are building a brand with google (as time goes by most likely you will get more hits and pop up more during searches) this is almost like owning your marketing as opposed to renting your marketing.

If I promote this offer online, it's likely that the property would be located further away.

I have seen many of those, all at least on-line.