3) I have a small list and I am going to call each individual manually and personally.

I already have 8 fanny / freddy individual mortgages and would not qualify for 4 more.

I can guarantee a few things:1) If you wire the money, he will either ask for more or you will never hear from him again.2) If you insist you will only wire to a neutral party such as title, escrow, or a closing attorney – whatever is customary in your area, and how all legitimate loans close – you will never hear from this individual again.3) No matter what you do, you will never receive a dime from this scammer.I know you have a lot of time invested here, Chris, and 100 emails, but you really have to get over it and be glad it didn’t cost you anything.

Each of these team members will be designing their individual pieces and communicating on the overlapping areas to help ensure your entire project is what you want, it meets code and works well together.

How efficient are using the local real estate associations (ie what % of wholesale deals occur with individual buyers, vs. associations)? 

They are hard to get on phone, long wait times, but will work with you and individualize your posting and agreement to your needs.

I've also got a great surveyor which you'll need, although Bryce has a few he can recommend also.Now I'm trying to refi each of the units individually, as they are all on one mortgage.

I’m a financially conservative individual but maybe I should learn to tolerate some more risk.

When you buy a general toolkit, buy it in a clamshell case with an individual space for every tool.

I would not advise any individual stocks until you have at least $5k to $10k in Index funds.