what are the laws in CO regarding unlicensed wholesalers tying up property advertising it and collecting a fee at closing is that even legal in that state. ???

Legal entities are set up for this purpose.  

This is a big legal issue that may weigh in favor of the investor. 

I use this for tax and insurance which all properties have)Expenses (general business like admin/legal and by unit for repairs, trash, utilities...)EBITDA (earnings before interest/taxes/depreciation/amortization.

At the same time, someone else reduces your debt, and you get to use the tax code to improve your tax situation legally.  

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

—namely, Isaac Winkles, reporting companies for which Isaac Winkles is the beneficial owner or applicant, the National Small Business Association, and members of the National Small Business Association (as of March 1, 2024)—are not currently required to report their beneficial ownership information to FinCEN at this time.This email is not intended to provide legal advice or serve as a substitute for legal research to address specific situations.

When you add up legal fees, lease fees, loss of rent, etc. it can add up.

I also understand accounting and legality may play a role.

There is nothing about how long you need to occupy the property for.So unless our lender puts a demand on us I see no problems legally in occupying each property for any amount of time to fulfill the requirement, then rinse and repeating this process up to our full entitlements, so long as the lender is willing to keep giving us loans.