If you are concerned with a turn in the market, I would just be more conservative in your projections, use enough leverage to boost returns and diversify across multiple properties, but no more than you are comfortable with.

In fact, it's because of you I began my course studies to get my Real Estate License just to Wholesale(I'm aware it's not needed, but I want to show my buyers I operate ethically & morally) Any more information would be greatly appreciated.  

They are known as Limit systems.A bank will limit their exposure to many different types of risk - currency risk, counterparty risk, interest rate risk etc by automatically disallowing any trade that would put the bank over the limit in any one of these categories There are netting strategy that offset long vs short positions which would boost the number of transactions they can do.The type of risk being talked about here is counterparty risk which is designed to limit the banks exposure if an entity they are dealing with goes under.

I’d recommend continuing to educate yourself, save up, and seek out a side hustle connected to real estate that will boost both your education and finances.

it seems to me that if you buy with a loan it's just very unlikely that you'll be able to boost the ARV just with the basement enough to justify refinancing. loans are expensive.   

This is great because you have an opportunity to boost your own Business SEO from your contributions here as well.

Sure, maybe you can legally, but morally I think it's the wrong thing to do. 

I will comment that trying to deceive your lender that you will not live in the property is absolutely wrong, ethically, morally, and legally. 

Business is business but human morality also takes a factor.

My name is Lynda Morales and I stumbled across this site while looking for creative ways to finance my first home.