Right now capital is at a minimum and I’m improving credit so while I start saving money and networking with other investors, I’ve decided that whole-selling is probably my best bet to get a little extra cash in the bank account before I go buy a hold property.Anyway, I’m curious on a few things:What’s an average wholesale fee in California?

Nice idea and all, but to me, it sounds like just asking for extra work.

Well if you sell the only way it makes sense is with a 1031 or you'd drop all your hard earned gain for a better return and that's a break even game - no fun for anyone.Cash out refi - watch out in an environment of rising rates. 

Hi, I was looking for cash flow in North-East New Jersey in rental properties, but at the max I reach at 0 cash flow.For example in Bayonne typical two family home(3 bed 2 bath each family) cost around $500K, taxes around 16K, rent around $1700/family. so after mortgage(20% down) , so total income is around $3400 also same is mortgage premium.other option is  private lending where you can earn around 10% per year minimum.also considering the point that home prices are all time high right now.Can somebody share their example of cash flow in area like Jersey city, Bayonne, Newark,union etc.

He is already pre-approved for an FHA loan maxed at 200k and he has extra cash im sure of maybe 5k-10k.

With buy and hold, I collect rent when I am on vacation- it's like there's this amazing secret way to earn money that I've figured out.

If the bank is stating that there is....that is because they have an extra rule on top of Fannie/Freddie loans. 

If you’re ‘waiting for your bank account to fill up’ and you have a few hours of dead time, why not use that time to earn some extra money and reduce the time it takes for the account to get where you need it to be?

Gallinelli's advice about considering the time value of money seemed like a very important factor in determining the overall potential for earning a profit on an investment and I really wanted to understand how to figure that out.

You may find a private lender willing to lend differently but if you want a traditional loan you may have to distribute more of the business income instead of leaving it in the S Corp.I would also make it clear that you own the business and only earn a salary for compliance purposes.