and below is the answer I got.. the state interviewed me in person.. has opened a case on this wholesaler.. and is just about to come out with a finding.. will forward that when I  get it.but read the e mail I got below here it sometimes paste's backwards.State of Oregon - Real Estate AgencyFrances Hlawatsch | Financial InvestigatorBest regards,Thank you again for the information, if I have further questions for you during the investigation I will certainly reach out.The Agency is well aware that unlicensed “wholesalers” are rampant in our jurisdiction.

I can see the problem, because we are not interviewing them.

I ran across a great podcast from ICOR with an interview of someone who I think highly of, and respect his experience and insights. 

Please send me a message on BP, or facebook (Vince Crane) if you would like to set up an interview. 

to the list of interview questions.

Qualifying them over the phone and on paper is not nearly as good as meeting them, shaking their hand, looking them in the eye and interviewing them in person.

Also, I did meet/interview her face to face and she was lovely. 

Regardless of how you find them, try to interview at least three managers1.

In my experience, these agents are familiar with what investors are looking for.2- Can’t help there, I interviewed and hired my own.3- The agents that you find from #1 will also have contractor names as they use contractors to do repairs to get the homes ready for sale. 

Also, the Georgia forum here on Bigger Pockets is a great resource to ask other local Georgians who they use for lending.When you are interviewing your potential lenders I would highly recommend asking these questions to test to see if they are flexible:Questions for Lenders When do you start using rental income to help me qualify?