As you would probably imagine there is a sophisticated internal system that utilizes charts to tell the story on a file and if required, approval by upper management and credit officers when loss ratios are higher.

I don't know where the term "wholesaling" came from - maybe a car salesman - it only makes sense to me - if you are an investor (one who controls, buys, contracts for, auctions or assigns/flips real estate for a profit) you are purchasing below market ( it would not be a wise investor who pays retail - unless for personal use or redevelop to a higher and more profitable use) - - I prefer to be an investor - to me and others in this business who see many of these folks who call themselves "wholesales" as less sophisticated in the real estate business (only understanding a limited and small portion of real estate) not a serious professional and knowledgeable making equity profits - others see them as opportunist often times getting over on sellers sometimes unintentionally.

Although I certainly get a TON of value from the platform already, I found that more sophisticated, nuanced advice for financing commercial and multi-family real estate was sorely needed. 

Every deal is different and in the beginning will be based on your perception of the situation and the possibilities.

Therefore, eliminating the deduction could seriously impact homebuying, especially among less sophisticated buyers.

The ones who come to me from HA are a more sophisticated renter who are also looking to book with the first owner who gets back to them.

Sure it's not your perception of the curse of the public?

You really need to start with either hiring a consultant or bringing on a sophisticated and experienced partner. 

There's cash flow up here in Richmond, and a lot of the Bay Area's negative perception (what they heard) allows a less competitive market for RE investors (shh don't tell anyone I told you).

Perception is reality.