AND they have some cool access panel doors in the plumbing dept of all the big box stores. 

I think of an applicant as a blank canvas and as I use my tool box to paint I begin with a black and white painting.  

Or just drop the letter in the mail box/slot if there is on.Good luck!

If you were to apply that strategy to notes it would be more accurate to call it Buy/Mod/Hypothecate if you wanted to be literal.

Your credentials are important but every banker has a box that they are allowed to work in.

I'm also thankful for my family for being patient, putting up with the dust and boxes, and staying by my side during this adventure. 

Make sure your location allows it,  Try not to get too  emotional, and lock up your valuables in a safe, and very important things in a safe deposit box.

For example, only pull addresses where owners have looked into a loan mod in the past 3 months.

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Also, there would be no loan mod or forbearance associated with these as there typically would be with a re-performing note.