Keep in mind, you should have already had a conversation with the hard money Lender to know their terms and process, and be ready to perform. 

Most lenders group all hard credit pulls within the same 60-90 day and consider it "one pull".

Think hard why and whether you need a partnership.

But at that point why even look for 100% hard money lending lol? 

You will probably win when she doesn't show up, and while you will have a hard time getting the proceeds of the judgement, you can mess up a credit score pretty well with an unclaimed judgement.

The bank and mortgage company we are using is giving us a hard time about us co-signing due to my separation and new job due to only having been separated a couple weeks now.

“We shifted to a hard-core marketing strategy,” he said.

But truly wholesaling is a hard business and takes a lot of up front cash to get going before you get deal flow. 

The right message to the right audience.Then marketing is all about value.Unless we know what exactly it is who you are targeting, it will be hard to help.Short-term rentals?

This can make it hard for you to get a loan because a loan officer will say that they can only go off of what the taxes say.