However, I have downloaded the BP forms and reviewed them.

@Jim Miller Lenders tightened requirements and limited products since rates went up.

Yes, as aforementioned, I've reviewed many of the Guru's courses and got this impression.

Find a local lender (probably a credit union as they love these) that offers 2nd mortgages - sometimes called Jr mortgages, HE-loans, or closed-end seconds.

If it has not been signed and filed - do NOT sign it until reviewed by a competent real estate accountant. 

. $5,500 is quite a lot so I'm trying to review as many legitimate reviews and testimonials as I can to make sure that it makes sense for me and my situation.I know that I learn and apply myself best when I'm given straightforward instructions, a guide, clear direction, and skin in the game.I'll bump this up to see if there have been any new updates or developments in regards to the Wholesaling Inc program

This might be because their credit score is too low or the house needs fixing.Although each lender can make their own rules about how to qualify a borrower and their investment, like needing a certain credit score; I believe that flexibility is the best thing about hard money loans since it provides each individual with vast amount of options.  

-If you do a long term rental, how do you pay back the hard money lender/private lender (if you use one)?

You may find something there.If you find a file you like, be sure to leave it a review!

Perhaps a family member, who owns real estate can partner with you to get around the first time buyer restrictions with DSCR lenders.