The home sold for 135k to an individual using a VA Loan.

While my insurance charges are relatively low each year given this is a condo, I learned to better assess who is behind budget planning at the HOA level for all of the units for roof, cleaning costs, basement improvements (shared by all units), given this was run well by one individual.

@Jerry ZhangThis is not your ideal seller financing individual.

Unless you live in area that has many ADUs already built that have been sold with the home or as individual parcels.

With your husband’s skills, assisting on fix-and-flip or BRRRR projects could offer hands-on experience.

When you're ready to scale and build this as an actual business you will need assistance in all areas and PadSplit takes alot of tasks off your plate so you can focus on the growth part of your business. 

Perhaps there's a family member who can assist with your first purchase if you're still underfunded but even if that's a possibility obtain experience first.  

Honestly, I wasn't aware that they were taking investments from individual investors.

To answer your question, i am not wholesaling yet but i am in the same boat as you and i've been looking into wholesaling for a few years now and since i moved to LA i've been trying to connect with like minded individuals.

If a cash out refinance, many lenders will allow the cash out to satisfy the reserves requirement.DSCR lenders generally let you vest either individually or as an LLC.