@Derek Okahashi,If agents won't take your money, maybe you should check your printing plates and see what you did wrong  ... :-) 

I have sent hand written letters or printed business letters before to other lists with not much better results.

If I may be so bold,  as I am relatively new here, may I suggest that you listen to BP podcast #98.

With regards to the other fee structures, the point of the post is to bringup up the missing print  aka what some of them HML don't tell you or advertise.james

You don't need a calc if you use a city's or county's standard plan or calculation, you print out that and attach them to the plans.

There are tons of great resources online and in print. 

Not terrible, but I'm not exactly printing money either.

I send out mailers every week,  and haven't noticed any particular set of mailers getting more responses then other times of the month.My mailers are different from your though...I send out typed letters with hand written envelopes (thinking of moving to printed envelopes with a handwritten font).I only mail to houses I find while driving for dollars.  

I would have to agree with Joe, your numbers seem off, and you are missing some very important costs (bold).Rent: $1300 / moMortgage: $630 / mo (4.8% over 30 years)Taxes: $260 / moHOA: $200 / moPM: $130 / mo (average)Insurance: $80 / moMaintenance: $65 / mo (5% gross rents, very liberal)Vacancy: 5%You will actually lose money every month, even if you were to self manage.

We're (as in, me) not really supposed to talk rate on here without all the small print, but that looks like 15 year fixed (or ARM) pricing to me.