For the typical wholesale the steps are really just fine a deal through marketing, have them sign a wholesale contract, have an established buyers list and send it to them, get a buyer to sign an assignment of contract agreement, and when you close you get paid out your fee from the title company.

The loan amount will typically be determined by appraisal (LTV - loan to value ratio) - but your qualification will also be based on other metrics like you mentioned - DSCR ratio, FICO and some other factors. 

It's typical to sell 40k programs to people after the free or low money get together.

Consolidating CC typically is a net positive, when we come across that there are a few ways to leverage equity in your home to do that so you can save monthly and get the balance down faster. 

Also the investment typically has less risk.

@Mike Sferacorrect. one small tweak, if you're buying fixer, you wouldn't typically buy with a 'mortgage.' you'd use cash or a hard money loan. 

For example Avondale typically has 2-4 units for sale with 2/1s at $1200-1600.

My question is, I am looking at using a white label table funder to start with while I raise my own funding.

@Carter MayberryRefinancing your FHA loan into a commercial loan and transferring the property to your LLC is a solid strategy, but here are a few points to keep in mind:FHA typically requires a one-year ownership seasoning period before refinancing is permitted.

Typically I set up a zoom call so I can show a map and where the good investment pockets are in AZ and why.