"The man who represents himself has a fool for a client" was said about attorneys, but it could be said about a new investor representing himself in a sales transaction.

This strategy has allowed my clients and me to expand our property portfolios with minimal upfront capital.

Your "clients" will disproportionately be elderly people who you will be taught to "help" - somehow you convincing them not to take market value by listing their home, or selling it subject-to, is "help".- In between finding these "clients" you "help solve a problem for" (in the language of the gurus), you will be angrily dismissed by hundreds or thousands of people, if you are able to get into contact with them. - In the extremely unlikely event that you get a property under contract, your assignment fee, in many locations, and probably on average, will be less than the commission a licensed broker would have received for selling the property. - You will be at risk of breaking the law, as many states are creating laws that effectively ban wholesaling, and while wholesaling gurus claim that this is not the case, they are either lying or deluded.

Eg, i have a friend/client who determines it based on income vs PITI.

Honestly my wealthiest clients and friends with 8 figure plus net worth have little to no debt..

Tell your clients that which you choose to tell them.  

I have had clients that had a quote come back 5K a year more than we expected it to come back.

Somewhat unrelated, but I do not allow BiggerPockets to do business with partners who require their clients to sign agreements or otherwise agree to terms that prevent them from leaving what they feel to be honest reviews on BiggerPockets.

Balancing salary, distributions, and employer contributions can optimize tax efficiency while keeping you compliant.This post does not create a CPA-Client relationship.

And, it's amazing how many closing costs are junk fees that we as investors need to pushback on paying for ourselves and our clients.