I can say in Detroit the wholesaler your talking to has most likely found that deal from 2-3 other wholesalers, they literally have to payout 2 - 3 other parties to get the deal and this is what the fees are high and the deal makes no sense.

I read on Lee Arnold system . com that joining the inner circle gives access to up to 100% financing on residential loans including Property Purchase Price + Closing Costs + Rehab Costs if that amount is 65% of the after repair value (ARV) as determined by a third party appraiser.  

Usually the hardest part is coming up with the down payment.

Start by joining local real estate groups, narrowing your approach to strategies like house hacking or multi-family investing, and building a team of professionals like agents and lenders.

If you have your own business/self-employed you might qualify for a Solo 401(k) or multi-participant 401k whereby you can self-direct into real estate with those funds. 

For the lease, can you list the girlfriend as an occupant rather than a co-tenant since she won’t be a financially responsible party?

Look, I will try to simplify this: We have 3 parties money; (a) the landlord investor, (b) the lender giving a mortgage for purchase money, and (c) the tenant paying for use. 

Investment Info:Townhouse fix & flip investment. 159 W 129th St is a multi-family building located in the heart of Harlem, New York.

Are they SFR's or multi family?

Investment Info:Large multi-family (5+ units) buy & hold investment in Bryan.