What the wholesaler is making in all honesty isn't really your concern.

Worst they say is “no” or “these are our minimum requirements” which to be honest I would be totally fine if they stuck to the 20% & 15% minimum but hey if I can leverage more of their money and keep mine (as long as the asset performs well) I’ll do it

Bruce,I think right now you have so many folks working remotely that the commuting issue is in fact not an issue and to be honest I really think this new trend of remote work will be around for the long haul.

In true honesty I have a paid off 2016 Harley that is my vice, but only a couple grand a year in new parts 😂

Your honesty will help me and others.

@Kent Leach Thank you for your response, and I respect your honesty.

I consistently see cash buyers overpay for a property and, being well aware of this, many investors and speculators (builders, wholesaler, agents, etc) target cash buyers with properties because they know they don't have to "worry" about a low appraisal.So, in theory "cash is king" leads to discounts on deals, but if we approach the subject with intellectual honesty we'll find that this frequently isn't the case.  

I'm up to five houses but to be honest I really have not put any money in my pocket.

Your realtor owes you honesty and integrity and you owe them the same.

People who avoid confrontation when simple honesty can save loads of time/money slows every industry - and consequently - the world down.