You can be as creative as you can imagine.

I look at every single item in the pro forma and imagine that it is complete BS, and see if I can challenge it.

Imagine you aren't able to make a phone call to get information and you need to physically go to where the person is to speak with them. 

However, if you're a W2 high income earner or business owner, I can't imagine it makes any sense to flip houses, mail mass post cards, wholesale, or build lead gen websites with the value of your time being better spent other places (such as learning about real estate and increasing your income through proven means), such as at your 9-5pm or growing your business, and your real estate is a long term process and you don't need "home run" deals to qualify or make it work.

@Peter Tverdov it depends on going wages in your marketplace.I would imagine labor costs are much higher in NJ than in MI.

According to an annual report from the National Association of Realtors (NAR), 26% of buyers were able to buy without a mortgage (see graph below):Imagine buying your next house in cash.

I can imagine it is considerably more work as well as I plan to manage myself.

Is that available to scale up and if there are investors,  resources to manage that side if the business.I imagine a $60M/year Lending business will need systems in place and more than 1 extra person.

In my case it was not as simple as wake up and do it.  

I can imagine with having young ones, it can be a lot!