I fancy myself to be a pretty decent acquisitions guy in my local market and I don't think I could have bought any better.  

I throw those fancy "hand-written" mailers away without opening them because they seem so scammy.

We had specialty in-house software that tracked every .001 of a cent and printed out these fancy reports with all the statistics a person could dream of.

It's not a fanciful Wall Street concept, it's something everyone on this site should be intelligently weighing.

Avoiding origination fees, discount points, and other charges that lenders routinely charge is always nice. 

It was pretty routine, got his forwarding address and sent him his security deposit.

Everyone also tells me they routinely receive direct mail from dozens of other investors.So I'm thinking, why not mail to owner occupied properties?

And then we just skipped the whole mail routine the money I would spend on mailers I used to hire door knockers to tee up appointments for me and my staff...

Trying to get around the laws with fancy terms and bulloney arguments won't win in a hearing where you are the defendant!  

How does that justify them whipping up excitement with the whole song and dance routine and Encouraging people to spend what is to them a fortune or even worse going into debt to buy their program?