Neither do I, thats why i was asking the process :) Any education you have on Sub To?

As far as educational material, there are some good courses on underwriting in Udemy.

Please educate me if you know of one.

there ya go another Utah based fullfilment and education company. 

I'm currently pre-approved but my lender gave me a "mid-level rate" which I believe isn't my actual rate since I haven't chosen a property but me not being as educated on the behalf and thinking it was my actual rate I decided to rate shop a bit.

Look for discounted run down properties that need renovation and change the layout during the renovation.

I work with Property Management in Houston but can recommend some great networking/educational events for you :) Check out Space City REI - there's monthly meetups with an educational speaker relating to real estate investing and there are plenty of Investors looking for Wholesalers out there! 

This place has changed my life and I couldn't be happier.

Educating yourself and networking is the perfect foundation for real estate success.What areas of real estate are you most interested in?

Sometimes the asking price does not reflect what's actually going on, there's a tenant, there's a change in the seller's situation, etc.