This will give you a chance to get a lot of reps to learn the guidelines for conforming, govvy, and nonqm/hard money, as well as how the process and workflow operates and how to structure files.

If you have been to these towns, they are good examples but very difficult to enter and make money from. 

If you go hard money, you might be able to get a 70% LTV.

Quote from @Zara Massoud: Your new PM is correct and the old ones were wrong.The property manager must have your social security or tax ID number on file.

I make around $110k+ per year, live off around $75K, have a mortgage ($1900/mo for rent, escrow, tax), around $40K in equity, and no other debt. 

I am brand new to this app, and wanting to connect with people who have done wholesaling with minimal money of their own involved. 

The challenge for a PMC is having the time to answer all your HUNDREDS of questions and handholding you as you learn, while still making money.

None really reduce the amount of money they have to come up with, but if they are broke as a joke do you really want them as your tenants?

To generalize broadly, most who call themselves private or hard money lenders (or any of the other euphemisms for the same thing) typically originate first-position or (rarely) second-position performing real estate loans.

You and Him are filing one joint tax return.