But a realtor will not know these underlying lots exist and for sure wholesalers wont have a clue.

Or find a property that is under-utilized or has below market rents.Otherwise, you could also do the OPPOSITE of the great advice from @Jonathan Greene and buy a property with multi-bed units or live in the larger unit and rent out the smaller unit - while getting a roommate(s).

I would have thought any rate under the usury law maximum of I think 25% would be ok.

under performing rent? 

But properties priced and marketed appropriately can still go under contract in a matter of days.

I’ve got my tenant side under market rent because we hand select the tenant for that side.

Buying a home under the guise of a primary residence when you intend to immediately use it for a rental is technically mortgage fraud.

They were able to find the leak location and luckily, the it was not under the house! 

The need for a home and an office under one roof.

Once you complete their application process, they will determine you don't fall under their top tier borrower qualifications and propose terms that are far less favorable.