Lay your cards on the table and make a quick determination if you're speaking with a traditional retail seller, or if there is some flexibility, creativity, motivation. 

Saving approx $1.2k per month.You work a full time job, 7:30am-6pm, flexibility to take lunches whenever you want for however long you want within reason.

They have much more flexibility. 

@Jack GroveFor buy and hold investors I recommend Stessa, it is free of charge and more flexible than Quickbook.

Decide how flexible you are in your criteria.

One way to potentially get around this is to submit your offer under the name "Michael Eaton-Byrd or designated entity," which gives you flexibility to take ownership in a LLC, if you choose.If you're working with a HML, your offer should be as good as cash.

Hopefully your job is flexible.  

They also have some online auctions that I believe are more flexible with financing than courthouse auctions.I have not done any wholesale deals but I am also not a wholesaler.

@Mateus Vakuda I did mine online which worked well for me due to the flexibility (was also working a W-2 job at the time) but there’s no doubt you’ll get more out of in person.  

Make sure it’s flexible because you have to be ready if the right deal comes along.