I just signed a bunch of disclosures from my lender and after reading them it has me thinking, "Is there a cheaper way to do this."

I can offer my knowledge.  

I have always used Zillow/Redfin to find property and then use other tools to verify and evaluate details about them (like finding out how much rent you can get,  confirming property taxes on the county website, HOA fees, etc.). 

@Ankit Maheshwari not sure how far along the process you are, but if you're serious and looking to invest in the Tampa Bay area, reach out to @Josh Green.

How did you find this deal and how did you negotiate it?

Purchase price: $240,000 Cash invested: $60,000 I purchased this duplex in distressed condition using owner financing for $240K and secured a $60K hard money loan for renovations.

not a problem. all you have to do is stay consistent.

Also, am I able to do this, or does it need to be done by the wholesaler?

Currently started renting it for 2300$ per month , need your suggestion things I can do to fix my below situation. 

It's always a little more challenging investing in out of state (I invested out of state for 15+ years) but you can still be successful doing it.