(If not, and you live in a state other than Texas, reach out to US Bank and leverage your house and borrow at 5%, can't find money that cheap anywhere, and that's not a plug, just wish someone would have let me know that when I resided in states other than Texas!) 

Thinking about the concept of leverage on the loan side.

I'm planning on wholesaling to a large investment club who leverages very discounted hard money rates and buys all sorts of value-add things, or treating it as a flip.

And if you have additional questions from an educational standpoint, I'm happy to answer them.

As a new investor I am constantly educating myself and learning by example from anybody I can. 

Take a look at Scott Meyers program for some good education.

Make sure to review the NJ truth in renting document and educate yourself on the laws.  

One question that I have as I find myself listening to a great 5 year old podcast for education purposes is "have things changed significantly over the last 5 years" to make this research obsolete?  

As long as it's utilized correctly, under leveraged, and viable from a financially defensive position, you can create tremendous growth - faster than you otherwise would have. 

If can not find all the expense then do educated guess base on the condition of each comp.