, and have now passed my SAFE exam and am a licensed LO in Virginia.

I don’t want to use conventional bank so it doesn’t mess with my DTI on my current home under construction (per my LO).

Try a LO if you can't wholesale it.

I had thought that when I go out on offer presentations that depending on the deal, I might be able to offer a variety of situations for the seller but determining the MAO between the two has been a challenge.1) Cash close quickly- which would be a lower offering price if I was using my own money to both purchase and fix2) Creative Way(Subject To's, LO, Seller Finance) Which the seller would get more at closing since I am only using my money to do the repairs, some holding cost etc.For now, I am mainly interested in using these terms to FLIP so my questionIs there a rule of thumb or % ones uses to determine a MAO using these scenarios?

By no credit do you mean a 'lo-credit score'?

I Stated making calls and 3 out of 12 seller/ 4rent calls I made were interested in LO.

So for example, I find a seller, get them to sign a LO, then find a tenant buyer, and assign them the contract.

If you're in the area (Cambridge/Kitchener/Waterloo/Guelph), I'd love to get in touch with you to see what you're up to.Cheers,Wayne Lo

Try searching 'lease option assignments' or 'LOA's rather than wholesaling lease options.There is a big difference between these and sandwich lease options which you are on the hook for over the LO term if your TB doesn't perform.In general, you will put up option consideration with the seller (say 1% of PP), then assign it to a TB for larger consideration (say 3% of PP).  

I need to post about the 3 basic types to help newbies to LO's out.