score:3
The right answer to this is that it depends on the consulate officer.
I got my B1/B2 with only a single document, my employment/income proof. From what I can understand, as long as consulate officer is convinced that you have enough money to sponsor the trip and enough reason to come back to your country, it is enough for them. Strictly speaking while an invitation letter is a plus, it is not mandatory. It just helps in increasing your chances, in case consulate officer gets suspicious that you are up to no good.
Upvote:2
If you will need to submit it to the consulate you will need to have an actual letter signed by an actual person.
I have had a situation where a friend of ours had to provide a letter of invitation to the US consulate the letter is of the form similar to the one shown on Immihelp or Path2Usa.
If the letter is unsigned it could be generated and printed anywhere and not necessarily be from the person or an organization that is inviting you to the USA. My friend had to get a letter by mail (FedEx, UPS, DHL will work just as well).