The cash flow now is good enough for me to retire.  

Happy to connect with you directly to share what it has done for me. 

I've heard about wholesale real estate as a way to get started without a ton of money, but Im still trying to figure out if thats the right move for me. 

Form my understanding or lack of understanding, you're not.Just don't see it as a prudent way to deploy $8mil in capital if you don't have the network. 

Tax deductions / write-offs should be a second concern.There are some rules that you need to follow to treat a short-term rental as 'active'(non passive) income which would allow you to offset it against other forms of income such as rental income / wages.

There's no need for me to keep asking for a response because their lack of responsiveness hurts them and rewards me.You aren't going to like every tenant, and should count your blessings that two of them are really good. 

You should receive a 1098 form from your mortgage provider.Mia 

I just think for me $15000 would have been better spent on a down payment on a property.

If you do place the property in her name, you've got a Gift Tax (Form 709) to complete. 

Is there hope for me here?")