Lender asked me to pay $499 to show me how to wholesale properties????

[Givonna Wiley]

I recently completed an online application to obtain a Hard Money loan.  Someone called me to deliver the unfortunate news that I would need 20% down.  I have no money!  So they (the lender) recommended that I start off as a wholesaler and they offered to show me how for $499.  

Is $499 typical?  Are there surefire ways that I can learn without paying any money? Would their mentoring be worth the money?  

Should I even change my focus to wholesaling and keep searching for ways to finance my projects with no money down and a low credit rating?