(If I can earn just 5% I’ll have $20k in 15 years.

A lot of them charge much higher and include extra "material" but if my experience tells m anything, you won't need that. 

Traditional lenders don't care about your savings or net worth; they care about your employment and earnings.3.

Price/Earning ratios make it not worth investing.

Some things matter more than saving an extra $200/month because you chose to live in a market you didn't necessarily like.

Because I would rather earn less and be more hands off Baltimore city has A class areas and F class areas and everything in between.

So, the real estate broker/agent would have to inform the seller of the fair market value of their home, making it much more difficult to earn a profit larger than what a real estate commission would be.  

I was a foster child who put myself through college on my own, and I have relied on some good friends for a place to stay as I grew up, which has motivated me to create a better life for myself.I have done a lot of research on real estate, and from my perspective, it seems as if wholesaling, which I feel my sales skills may help with, would be a good place to start to make some extra money to speed up the investing process.

If the note holder purchased the note at a discount he can accelerate his profits and increase his ROI by offering the borrower an incentive to pay off the note early, or to make e extra payments.  

Like if you want "property management" as part of your software its extra.