I do not have to do anything right now, I just need to learn, wait for the right opportunities, or create them - for example by trying to use subject to and take over someone else's payments who locked in a lower interest rate from a few years ago. 

Oh, they can sell, Jim, just like one can sell "subject to."

This is why I asked what the common or average investor who buys a turnkey property with you looks like.You have been super informative on this post and I don’t know of anyone more knowledgeable than you on this subject.

However, I have not found much on the subject relating to wholesaling. 

So assuming your subject property is in an area where the income capitalization rate is 7.5%.  

Quote from @Timothy Franklin: @Trevor FinnI would agree with your breakdown, but why overlook a potential to run the 91k subject-to with a targeted 6 month hold for flip or 18 month refinance?

Publication 15, Employer's Tax Guide, says only this much:...Payments for the services of a child under age 18 who works for their parent in a trade or business aren't subject to social security andMedicare taxes...No definition, and IRS publications are not really law anyway.

Indeed, where we pay a REALTOR commission, we are initially under water, but look at the long- term probability the rental will remain in the system.

If you want immediate answers and help on a certain subject or area, multiple experienced members and leadership team members will be pretty quick about answering questions or connecting you with the right person through slack. 

In those cases, the main criteria we add to our lease is that everyone that comes to stay there must be subject to a background check paid by the company.