Personally, I would hang on to the cash.  

I’m not a former IRS person.

My goal is to wholesale some properties single and multifamily to build some capital while fixing my personal credit and building my business credit.

Explore my personal favorites, Set For Life by Scott Trench or The Total Money Makeover by Dave Ramsey, for invaluable financial insights.3.

All the add-ons are a la carte so you can definitely get a lot of value based on what you need.One thing I personally don't like is that when tenants pay rent, they are charged $1 per transaction for ACH use.

I have a 780 credit score and no debt besides my personal residence.

I've done enough personal home projects to know, if I find a deck company it'll be 2k, but a GC will charge me 2.5k to over see it...

I tried to create rapport with the owner over the phone but waited to present my real agenda only in person.   

You need to make sure you're working with someone whose sending you personalized deal flow that actually meets your buying criteria.

Not talking about you personally.