Include major things but "kiss" method should be in place.

I heard from there a few methods for voicemail and linking all your leads together.

I can't see quality brokers like Mark Ferguson or Joe Evangelisti pulling this scared schoolyard stunt, either.   

Why would the bank not have an electronic delivery method? 

They are using and encouraging state A.G.s to utilize UDAP as a broad method to prosecute lenders not in violation of anything concrete.

Of course A/R quality, deferred maintenance, your credit score, appraisal value, down pmt, all matter a lot too.

An experienced investor with capital might be able to renovate and attract higher quality of tenants.  

if you want the quality of plywood cabinets, with a little more customization you might check out cabinotch.com .

Not necessarily in the worst neighborhoods, but places where average real estate prices are relatively low and the quality of life is still decent. 

I recently read in Malcolm Gladwell's book "The Tipping Point" (pg72) that "what separates a great salesman from an average one is the number & quality of the answers they have to the objections  commonly raised by potential clients" or sellers in our case.