@Bruce WoodruffNo, I’m supplementing the 97% of scientists with my own knowledge of the data, which I shared a bit if above.

The residential lease doesn't really work for the commercial tenant though.Does anybody have a generic office lease they use? 

To earn more capital,  think in terms of sharpening the wheel and making more money at your job and or developing side income generating businesses that can supplement your primary source of income.  

I'm considering the possibility of getting a license at some point to potentially supplement the education and experience here and through self teaching on how the whole process works.

Usually they are picking on something on the supplemental information form.  

Commuting seems much less likely from the west side of the river, but the second home buying crowd definitely still supplements the local buyers pool, depending on the area. 

My best answer is generic - talk to more people in every category.

I never looked to the Future for Retirement I was mostly concerned with just riding my motorcycles going to work to pay some bills and just ride like I have been doing for over 35yrs.Well that almost came to an end last year when someone decided to run a Red Light Late I T-Boned a Truck on my motorcycle on my way to work and am lucky to be alive to type today.To make a long story short I am getting a Settlement enough to buy a home cash if I want but looking to invest in Rental property to help supplement Retirement.

I’m wondering if anyone has some tips or generic templates on what exactly to say in a direct mail letter.

Generic ballpark.