The 150k is what's leftover after 30k/30k put aside for our personal and property emergency accounts.

Hey Hey @Jared Appel - Funny I swear I just saw a post of a person who recently moved to Miami from Chicago within the last several days.Anyways, welcome to the Chicago BiggerPockets community Jared! 

The easiest way to start is to go into your local branch banks and ask for their loss mitigation department, and once you get the right person, ask how you go about buying their REOs.

Would you share your personal information when the landlord won't even reveal the address?

I've personally known Steve Yoak for a number of years and both he & Kip have reputations as stand-up guys. 

I would not touch right now SWF or Texas personally from what I am seeing.

If the property is in a different name or an LLC I ask the person on the phone what the name of the actual owner or LLC is.

If you want to JV your wholesale deals you want to do it with someone you know, like, and trust over time and have met in person.

In that case, you'll strongly want to consider what putting personal-use property inside of an otherwise business-use LLC would do to the liability shield, as well as insurance and tax reporting.There are several considerations that can go into the analysis of whether you need an LLC or whether a large insurance policy will suffice.

TIAI personally don't like the receipt scanning apps because I think they are overkill and they only account for half the record keeping you need to do.