If a wholesaler can still profit while provided “full disclosure” and adhering to the rules and regulations of real estate licensees then they’ve earned their profit.   

Im not a tax expert but it seems like this would be an important distinction as the fundamental structure of the financing is different and dictates who is earning interest income.

This is why so many people earn large sums of money quickly (lottery, sports, entertainment, etc.) and end up broke.Take Dave Ramsey's Financial Peace University.

It’s like I have a bunch of clones out earning money for me.

The mortgage payment is $1,000 on each house, so you earn $500 per house or $2,000 monthly.

You have $70k in equity tied up, earning a low return relative to its potential.

Everyone is trying to maximize earnings in this business. 

Yes, Spain is one of the countries in which banks will lend to non-residents (they generally don't) but Spanish banks are much more conservative than US banks so it's more difficult to qualify, especially if you don't earn W2 income.

Also, they ONLY earn the credits if their rent for months 2-4 is paid on time. 

When we let you know it wouldn't be a full refund because of an earned premium period, you stated that your signature was forged and you didn't actually buy this policy.