I put the few questions in parentheses.Thank you, Tony Plan:1)Find buyers and make a buyers list--Market your wholesaling business---Using bandit signs "I sell houses dirt cheap"---Business cards---Internet2)Find a lawyer that can help make a contract with a due diligence clause and option agreement3)Find my target area where I will do my house searching--Using the Central Appraisal District4)Find distressed properties--Tall grass--Piled up mail--Boarded up windows--Take a pen & paper, take notes and pictures of the property5)Create an excel spreadsheet of the property--Owner-occupied?

I put the few questions in parentheses.Thank you,TonyPlan:possibly start out with small, unimproved/vanant land1)Find buyers and make a buyers list--Market your wholesaling business---Using bandit signs "I sell houses dirt cheap"---Business cards---Internet---Real estate meet-ups2)Find a lawyer that can help make a contract--due diligence clause--option agreement--allow both parties to know who you are representing to avoid legal disputes (buyer & seller)3)Find my target area where I will do my house searching--Using the County Appraisal District4)Find distressed properties--Tall grass--Piled up mail--Boarded up windows--Take a pen & paper, take notes and pictures of the property5)Create an excel spreadsheet of the property--Owner-occupied?

See all the 0% balance transfer credit cards solicitation you get in the mail now days?

@Stone Teran  Here are a few ideas for your consideration (from a member of your target audience - an "Old Dawg"):Introduce a referral program for your existing tenants where they get a free months rent, restaurant gift cards, etc. for referred tenants who sign a one-year lease. 

The reason I like the HELOC over the cash-out refinance is the HELOC pretty much acts like a credit card - you only pay (and accumulate interest) on your current balance.

@Amy Ranae   I couldn't agree more about local wholesalers,  I have several business cards from people at meet-ups that aren't wholesaling anymore and the ones that are just send out MLS listings.

I have set up social media accounts, mass emails, and hand out my card every chance I get.

You'll need about 4-6 vendors reporting net terms on the LLC, then you can go to places like OD, Staples for charge cards, then maybe Home Depot and banks for business credit cards, and then finally the holy grail, a business credit line.

pay off all credit cards before you even think about investing because for 99% of people the interest you would be saving on credit cards is greater than the investment return you could earn and it is basically risk free.

We use MINT.com, which is nice.According to MINT, what is largely dragging our credit score down (it's a 758) is credit utilization.That's a few credit cards here and there but predominantly our HELOC is 60% utilized and bringing up our total credit utilization up over 40%.I'm under the understanding that many people use HELOCs as a great way to pull out equity from their primary residence.I don't understand why one would be penalized from having a stronger equity position in their primary residence?