I know that spouse or even children are responsible for any credit card or auto loans/ revolving debt.

@Paul Stout Sorry I just now found your response. 

You could use presorted stamps which could reduce your costs but might also end up reducing your response rates.

They will still need to meet the income requirement on the amount of rent they are responsible for 

I doubt you’ll get much response unless you narrow it down...

Thank you for your thoughtful responses!  

@Alexander Felice Thanks for the response but your assessment uses a lot of incorrect assumptions. 10 years of banking experience myself.  

However, I am very determined and disciplined, and whatever I put my mind to I always accomplish so I am ready to do whatever I have to do to make this dream come true.Thanks for all of your responses

I learned a ton- lots of legal stuff and details regarding the broker's responsibilities, an agent's responsibilities both to the client and the broker, it was really interesting.

Network with local brokers, agents, and wholesalers, and be responsive when they send you deals.