On the "down payment"its not your job to pay for their operating expenses, but its not their job to finance your project.happy middle is 2 phased-1.

I have completed one deal (buy and hold turned into a fix and flip) and I am in the middle of my second deal (house hack turning into buy and hold). 

My family is currently in the middle of trying to subdivide 20 acres and it's been a huge hassle.  

Even with crazy high rents, when you have to get into a property for 1mil, it's just hard for the returns to out pace the cost of capital, especially when you factor in all the other costs.The oddity with the last observation is that without capabilities these markets also tend to be the biggest challenge from an execution standpoint for someone just starting out. 

What I do know is that prices cannot continue at the pace that it was on. 

they NEVER call them selves wholesalers  .. wholesalers are un licensed middle men with varying degrees of knowledge from no knowledge what so ever to large vertically integrated companies with large marketing dollars buyers agents etc. 

Generally, if your middle FICO score is at least 700 the conventional loans make more sense, and sellers prefer to work with conventional financing whenever possible so this would help you in a multiple offer situation.FHA and conventional financing do have options to roll in the rehab costs to your financing they have significant downsides to them, but it would be worth it for you to research these programs if you have not already done so. 

*Side note some policies may offer "Repair Cost" settlement which is a nice option that falls in the middle of RCV and ACV and may not require you to insure the dwelling at the full replacement cost estimate.For those outside the major Ohio cities you may have a small stroke hearing someone say to insure it for less than the full RCV.

In the middle is a policy for an owner acting as a General contractor but is not a General contractor themselves.  

I always have my lowest offer as the cash offer, my highest offer as the seller financing offer, and my middle offer as the split seller financing offer (small down payment & seller financing the rest).Using all of these options not only gives the seller several options to choose from but it also allows me to make a discounted offer.