95% of my wholesales the end buyer pays all closing costs associated.

By Nat'l Assoc of Realtors (NAR) standards, which is carried over in many of the state associations, Realtors have to present all legitimate offers.Having said that, you may want to read a bunch in this forum as the chances of your offer being accepted is quite low, though possible.

We couldnt find our lot because there was no road, and the whole place was too overgrown for hiking (we also could obtain no map withuot apparently going to the courthouse).Yesterday we recieved, out of the blue, a "DEMAND FOR PAYMENT" from the homeowners association -They want arrears, plus 10% per annum interest - The whole thing amounts to almost $4000 and the land is worth about $1500 -We have received nothing about this "arrears" prior to now, and suddenly we are supposed to pay by July 31st or they will start legal action.

You don't have all the work associated with buying a house.

I don't know how but now the Chicago Association of Realtors is using our site and I called the folks there who didn't know my name, but recognized my site instantly.

There's a good possibility you could get that information for free over the phone.Or if you have a good landlord association, someone there will know.

You don't have to join the MLS if you don't want to, so you don't pay all the associated fees.

I've been reading books about real estate for about 5 months now trying to wrap my head around it.

You must hire someone that knows when they are in over their head, and is not afraid to say so.

For sure, head to a local club, Primo left a great link, as BP has a great list of local clubs.