To get away from the commas: how are you going to prospect strangers or at open houses and then give them a card that says, "By Referral Only?" 2B1 Call 1?
The program and coaching, I am told by associates, is excellent. But ... I'm just not By Referral Only. You don't need to know someone to use me. And that's the credibility gap created. "Everything I say is true, except ..."
I'm an investor and I found the following resource most helpful. It's written by a broker and gives you all the information you need to buy and list bank owned properties.
Hope this helps, Joe