I have an appointment with a tax lady tomorrow, but she pretends to be too busy for me 99% of the time as well. 

Answer: The owner, who's been PRETENDING to still be the owner-occupant for all the years since moving into his bigger home!

We have a lot of Non-English speakers in our area and I had trouble with them not only not reading what I sent them, but also pretending to understand when they really didn't.

Please don't come back with your smart mouth remarks cause I am not the one to reckon with I have a reputation just like all of us do I get properties all day everyday and I work hard to even try to come close to honest buyers in this business most believe in integrity others see as a quick take for their pockets..So for the new year coming in 2015 I am doing something a little different from here on out if you are a buyer and you need properties if I send you a document with my fee on it either you sign or you don't but know I will not send properties to anyone who does not follow protocol I eat just as you do and have a family to take care of and because I am a female I do wear construction boots so please fella's out of respect if you work with integrity be that and not some moron who snatch and run and if this is removed ok  np but this is off topic and I had to say something most will not say a word but it becomes frustrating after a while of give and take...In this business This is the part where you separate the genuine closers (via cash or financed) from the pretenders that knows cash is king and decide to waste your time because their dream is to feel like royalty, even if its just for a moment.

Then you can see that this extends to saying that: All houses should cash flow positive if you pay 100% of the price in cash.So to gauge the investment's cash flow, pretend that 100% financing is used, and pay yourself the bank's interest rate on your down payment.

Doesn't that sound like we could appear to the legal entities (or some realtor who wants to file a lawsuit) as if we are trying to pretend to be NOT selling Real Estate but in essence we are?

It seems like a much more risky way of going about it.I'm a complete novice, so I'm not pretending to know the real deal, just asking.

So in this example by the OP, pretending this duplex is a 5-unit or larger, we have $11K NOI / $348K purchase price = 3.2% cap rate.

TL;DR - wholesalers who can't be bothered to even PRETEND to make real cost estimates are lazy and give wholesalers a bad name.

Everyone pretends its so great and fabulous and their life is 5x better than it really is.