I do agree with the bit on reputation/treating people right, the number of contractors that will pull the wool over a home owners eyes is pretty high when quotes can range thousands or dollars even on a small job proced at 4k. 

I have my MLO endorsement and have originated millions in mortgages but even this guy almost pulled the wool over me.  

If you are not that much different than the bank product down the street and have more lax guidelines, you'll be in tall cotton.

I wont show my example, but I can say that they have to be very carefully crafted, very short, absolutely great headline in the letter, minimal salesmanship, and basically provide some important information for owners,, 25% cotton envelope and letter, hand written address,

A fellow investor named Vern Darlington, who will probably comment here eventually, hosts a great (free) meetup at the Cotton Patch in temple.

OU game at the Cotton Bowl. 

Tearing out lawns, golf courses, cotton or hay fields... it's all cheaper. 

It opened doors to new markets for agricultural products such as cotton, sugar, and grains, laying the foundation for prosperous farming and trade economies across the newly acquired territories.Investors keen on infrastructure development saw potential in establishing trade routes, settlements, and towns that would eventually grow into thriving cities.

It's annoying and somewhat insulting to me that to try and "pull the wool over my eyes" that they are not a broker.  

Noinsulation, rock wool or even newspaper might be in the walls.