I put together a table of these options along with pros/cons to determine the best course of action.  

We are based of course in one of the most expensive places to live yay to that.

I put a new build under contract early this month, and are now working on the loan with a credit union.

Monty, take a small amount of time to work on your credit daily.

WE dont pay a fee for the credit line as I mentioned just 1/2 point for each new loan..

If you ever incur a state income tax in MO, you would typically be able to take that amount paid as a credit against your KS taxes paid, so you won't end up double taxed to both states.

.- Institutional Capital & Private Equity: By moving from hard money to institutional financing, you can secure larger credit lines with better terms.

But just hating on wholesaling in a wholesaling forum is so unbelievably pointless. its not dead per se  but it is starting to be regulated as it should.. oregon just passed their version. where to wholesale you now need a license and over site by the RE commission.. along with criminal back ground and a BOND.. and as we know not everyone can pass either of those with the bond being the tough one if you have bad credit your not getting a bond.

When I asked if someone had an affiliate code (so I could give them credit), they didn't.

Short term (12 months), low loan to value with borrowers who have strong credit and significant assets.