Don't afraid to ask lenders questions (like will a pre-qualification affect your credit score) in fact, sometimes asking these questions, even if you know the answer, reveals how kind, or helpful this person is going to be. 

Let's say I am wholesaling a pre foreclosed property.

Definitely not normal for a pre-approval letter.

Aloha, Any Investors or Agents need a Pre-listing Inspection done?

An offer will not be accepted by a Seller without a pre-approval or proof of funds.3.

I've read the Turners' book on managing properties and I've taken a look at BP's guide to tenant screening.The guide suggest that a pre screening takes place.

Is this because it’s a pre-foreclosure?

I recently had a client use this strategy. How it works.....
- The stock market on average brings in roughly 8% returns
- You open a line of credit using the equity in your brokerage account through several third pa...

Over 25 years which comes out at 666 +3.5% APR.

If you don’t like working with an agent, you should at least take a pre-licensing course or get your license yourself so you understand everyone’s role in the transaction, your state laws, appropriate ways to negotiate, state approved contracts, seller disclosure laws, etc. so you don’t have to rely on the selling agent or strangers online to explain the basics to you.