You can also use replacement cost method, agreed-upon valuations, and comparable land sales (and these methods may allow you to allocate more to building), but whatever you use has to be "reasonable" (vague, I know).

I'm always reviewing creative financing methods but I'll pass. 

This does a similar thing as the method above but will likely not look as slick and you will have a bit more work to do at the edges.

Reaching out to gain some clarity to on the BRRRR method and house flipping in general.

Is there any other method of helping the owner to reduce her debt/liability while I also make money on a property (create win-win scenario )?

I thought I was basically following the BRRRR method but just living in the unit until the equity built up.

Yup, wire fraud is on the rise.The system described in that article makes sense for the volume of deals it appears they are doing.A one-off method to be secure is actually to skip technology and go old school:Physically walk into the title company (make your earnest money deposit while you're at it, this can generally be a personal check because there is time to wait for it to clear), have them physically hand you your wire instructions for your particular transaction.Put the wire instructions somewhere safe.Always & only refer back to that.For that not to work, you'd have to imagine the bad guys not just spoofing an email, but spoofing an entire title company.

My guess is that they opposing forces lack evidence of widespread fraud at the lower cap

If you are trying to do a "traditional" wholesale method where you lock up a property and then assign it to someone else, taking either an assignment fee or the difference between the two contract prices, your local Realtors association may not think you have your client's best interest in mind.

Examples:Conventional loan purchase requires 20 - 25% down payment.FHA Owner occupy (House hacking) requires 3.5 - 5% down payment.Creative financing methods could require anything from 0 - 20% down.