Your money is working for you in two places at once, you get insurance, and you can repeat the process with very competitive rates and flexibility (particularly for fix/flips).2.

Hosts were making a lot of money then, but the demand has dried up and there is now a ton of competition due to a lot more rentals on the market.

I really want to get into flipping houses if not at least working on the in my own time, however; I am worried about the time and money aspect.

Can I charge my business as I am lending the money?

I think you might end up leaving quite a bit of money on the table.

We obtained a hard-money loan from Upright to help us fund this deal.

What you probably mean is that you think you can make enough money as a wholesaler to start investing, but that is 1 in 10,000 or more probably who start.

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My and my soon to be wife both graduated college at the same time and we make a combined $150k/year ($75k each) We are still living at home with our parents to save money, and we want to build wealth in real estate. 

She ended up picking out material that was over the top and we could have saved some money.