Your annual income was around 105-110k/year for fun PLUS you now have a huge annuity.Please if anyone sees holes in this, let me know, as this is my future strategy should I be in the same boat (wanting to quit landlording).

I think wholesaling started out as someone exploiting a "blind hole" in the existing real estate process....eventually, enough people felt they got scammed and made some noise.The handful number of deals I listed from a wholesaler were enough to convince me that I don't want to list a property brought by a wholesaler...they don't yet own the property, and they try to make money off the ignorance of the "owner of record". 

For example, a broken fridge door, broken window, holes in walls…Normally I would repair it but what if it’s becoming a constant thing?

I'm still down the rabbit hole of all this.

No credit score by itself is not necessarily an issue, but it creates a big hole in the information puzzle.

It is allows sourcing deals from anywhere (not just the deals from the party that runs it and who is trying to channel investors into it), and allows people to perform real, collaborative due diligence to poke holes in deals (and isn't just a "rah-rah let's go" for preselected deals), etc.It sounds like you're looking at the first type of group.

It's still only 3 bedrooms and 1 bathroom and I am in the hole about 140k and fair market value is about $145K-50K. 

Don’t dig yourself deeper in a hole by trying to do too much on the first 2-3 deals.

I push investing on my friends not to be an a-hole but because it is good for them. 

Going off the top of my head so might be some holes...1. have them supply an application (most generic rental apps ask the right questions)2.