Are you sticking to traditional banks, exploring private lenders, partnerships, or maybe something creative like seller financing?

I would probably structure it as debt like a loan and possibly break it up into quarterly payments or whatever you think will work best for you as far as repayment. you can get creative....

and NO, I am not part of the 99 percent of bad wholesalers who will be out of business as you implied because I have a huge network of direct buyers.

My go to for lowest hassles, taxes and  transaction costs are Lease Options or selling directly to the renters. 

I know this is a very general "well it depends" question, but I'm just hoping for some general advice and direction.

Another option is to do the BRRRR method, buying a distressed property from a wholesaler, direct to owner or even MLS sometimes, fix it up and force appreciation and then refinance all your money out. 

If yes - How can you creatively make yourself money without costing the tenant more? 

Househack, creative financing (seller financing/subject to), buying properties through lien auctions, partnering with someone who has cash.

Quote from @Dennis Knapp: they got ahold of me on fb through one of my groups and claim to be a direct lender. they seem to good to be true.

Instead, I just decided to head in "that direction" and figured I'd get to the destination eventually.