Wholesale with occupied owner

[Massiel Castillo]

Hello All BPers! 

I've seen post on people saying they are new at wholesaling, I am newer than them! I understand the concept, but stuck on when wholesaling, if the owner is still in the distressed property can you still make an offer? Do you make the offer right over the phone if you're able to get in contact with them or do you ask to meet with them? I'm sure wholesaling is a newer concept and something not a lot of people are that familiar with (I can speak for myself) so how do I explain this to keep or gain their interest? This last part of the question is also for any cold call I'll make. 

Thank you all in advance!