Unfortunately that is not how I function.

There's- pay the most for the least amount of risk, pay the least with the most amount of risk, and every combination in between.

After having a solid business system functioning and a substantial about of cash as a down payment I will move on to purchase commercial multi-family properties (12,16, 20 plus units) to start to build long term generational wealth. 

I would of course get my attorney and accountant involved, but I am still a bit before that on my personal knowledge of how they function.

I do a combination of letters and postcards.

Both semesters combined is 34 weeks, so I work a total of 1,020 hours/year.

Then take those proceeds combined with my existing reserves and I will work to purchase a small multi-family where the numbers make clear sense.

Our combined AGI is roughly 35-40K. 

They're much cheaper than hard money, an actual bank that does commercial lending, but they function fast like a hard money loan.

The difficulty of the job combined with the ease of entry is why wholesalers suck.