All of my loans are conventional on my properties and they scrutinize everything from my cash reserves, my income level and needless to say debt to income ratios. 

That's federal poverty level income for a family of 4.  

Great to hear you are looking to bring it to the next level.

@Rob CeeI very much agree with you too that at low levels most CF portals allow one to invest, due diligence does slide off. 

It really depends on what exactly you are trying to do and the banks level of comfort/familiarity with what it is you want to do.

So it comes down to comfort level.  

Lack of funds is just a high level excuse because the money will always appear if the deal is right. 

A minimum level of quality is important too and higher quality is obviously better, especially for flips.

As a wholesaler, you want to purchase the property (or get it under contract) and either assign the contract or sell the property to a 'rehabber' or retail buyer who finds the adventure of rehabbing their entry level home thrilling. 

Oh and they haven't been the greatest tenants to begin with.