I have a concern and not sure about the following things as  Newbie ...1) Is Preforeclosure or Foreclosure a good or bad area for a newbie to specialize on, will it take longer to get deals as opposed to just getting on phone and calling for sale by home owners or advertising on facebook to find deals which would be easier but which would be more rewarding with higher profits 2) I live in NYC, how do i select an area or zipcode of NYC or Connecticut to focus on generating leads and sales from, are not so good areas bad places to find and flip those properties to investors or is it better to focus on good areas where investors may be more interested in buying properties, I am lost on how to select the areas I wish to farm and get to know the area and just work a few areas not to far from me I live in the Bronx 

It we make numerous attempts without personally serving them then we can post it at the building.  

Is that 1% delta worth the risk and potential reward of going from a US treasury bond to real estate? 

There WERE numerous vacant house in her area and one rental company started buying them and showing them as they were and had tenents linded up before they finished rehabbing them.

The fact that 70% of residents live below the poverty line and 1 in 4 have been evicted in the last year means that you'll have to deal with low quality tenants for a long time before that neighborhood turned around and you reaped the rewards of your investment.

I should add (on the HOA issue, because it is so common in AZ) there are a few other reasons that we decided that we were comfortable with the risk/reward of this particular HOA. 

Then go out and have a nice meal as a reward for getting even 1 card.

You can make great money and it can be very rewarding and often times increadibly frustrating.

I want them to have full use of all the appliances and fixtures of the house, I want to provide superior customer service and reward their loyalty, and mostly, I want them to stay for a long time and love their home. 

I could go to numerous different insurance companies once I reach every five units but that would be a record keeping nightmare.