The vast bulk of your deals will come from the 3rd mailing onward.

YellowLetters.com is a legit source for what you need - and @Michael Quarles also offers a turn-key direct mail marketing program that incorporates his vast knowledge in REI marketing.  

The small print of a HELOC is vast and final. 

I'll think we're not a startup anymore when I can do the vast majority of the work I need to do from my boat.

The vast majority of Santa Barbara county has banned them.

Also, 85-90% of people use an agent when buying or selling a home, so it made sense to not ignore the vast majority of the real estate market.

The vast majority of people do not make it to your or my level. 

The problem is continued growth is dependent on out-of-area money continuing to come here as the vast majority of Utahns can't afford to purchase homes.My opinion (and what other's have said) about regions (sorted by size):Salt Lake county: Home of SLC and the major metro in Utah.

The area has vastly improved in the last decade although there are still some sore spots close by.

BP is a fantastic place to get excellent ideas, learn about a broad array of topics, share creative investment knowledge and meet thoughtful people of like minds.