Some banks are more user friendly than others; can't speak for BofA.

First congrats on making the decision to use real estate to build on your goals.

There is a guy I follow in your area Dillon Dull is his user name maybe he can help you connect with people I believe he is on bigger pockets too.

Free is usually just a way to attract users. 

Hey @Amy Ranae,This would depend on the type of leads you're targeting - sellers for retail/end user buyers, distressed sellers, probate/divorce sellers, etc.Generally, I'd recommend - Cold calling, postcards, social media advertising and SEO marketing (this will take the longest amount of time to yield results).

Should have ability to be mobile and accessible by multiple users. 

I'm more than happy to answer any questions you may have.https://www.biggerpockets.com/users/ZacharyCole/referenceshttps://www.biggerpockets.com/forums/92/topics/518583-feedback-on-renttoretirement-and-zach-lemasterhttps://www.biggerpockets.com/forums/92/topics/765347-rent-to-retirement-reviewhttps://www.biggerpockets.com/forums/92/topics/808479-rent-to-retirement-experiences

Connecting with investors/wholesalers and learning from them is the best education you could recieve.To find some examples of wholesaling contracts, you can visit the file place. https://www.biggerpockets.com/files/user/Grennie_Jr/file/wholesale-purchase-and-sale-contractthis should be a direct link to some examples that may benefit you. 

I use real estate express.

These usually come from an account being compromised and the threat actor using the compromised user's email account to send targeted messages to all that person's contacts.