Advice on Double dipping and rolling costs into the loan.

[Xavier Longwa]

Can You wholesale a property and still get in on the fix and flip legally? Say by wholesaling to a partner, family etc.. Also, is it legal to get more money from a hard money lender (or PI) for a deal than what's "needed" for purchase and repairs? If so how should that be structured? I'm asking because I've heard of things like monthly expenses, points, and closing costs getting rolled into the loan. Just trying to figure out how to go about it.