I was thinking Reading as a possibility too.  

Just some thoughts, nothing wrong with wholesaling if its working for you, though if it's not a license is just a suggestion for possible path to follow. 

I am upper 30s and looking at this for additional income and possibly a career change.

@Drew Oberholtzer I would call as many local banks as possible.

Hello BP family,This weekend I am starting my look for multifamily units in MN, do you guys have any suggestions on areas to stay away from and possible areas to try and get into. 

I think possibly asking for previous work he's done or just ask for a website that he owns just for credibility.

lol...so not only are we looking at possibly brokering without a license, but also a net listing at that.

It is possible they can't afford the increase and need to move regardless.

Currently our water heater is outside in small room not very ideal.My goal is to get started anyway possible and to accumulate properties for rentals. 

I don't have calculated statistical data to back this claim up, and it could be regional, but it often seems that appraisers are more generous when it comes to appraised market rents than they are when it comes to value.I'll not bore you with the math, but the arithmetic is more generous if you do not intend to live in the property than if you do intend to live in the property (If you aren't going to live there, it is in theory possible to have a calculated DTI of 0.000%... which is in part why commercial financing uses DSCR not DTI).