Try your local Real Estate Investment Association to find a mentor (REIA).

This isn't a success story yet, but could be in a couple of months.I have an opportunity to pick up a good deal from an investor associate who is looking to get out of a house that has left a bad taste in his mouth.

@Steve Johnson , BTW, I would highly recommend you find and join the AZREIA (Arizona Real Estate Investors Association) group.

I think he was associated with Verizon too!

Absolutely get into your Metrolina Real Estate Investor's association as soon as you can!

We belong to the local landlord association, that helps! 

Or, "this SSN was issued between 2010-2014" would obviously be a flag, if there's a credit history associated with this person that is apparently a 3 year old (Macy's etc do not notice or care, which is how people turning 18 can already have trashed credit).

Savvy investors and associations could accomplish this under the lender's nose.

Alternatively, I could lease option the property and don't know if there's a strategic advantage to either, other than if I'm refinancing after a subject to, I can do a cash out refi but if I'm taking title after a lease option, then I'd have to put the 20% down.So, a question - what are the closing costs associated with a subject to and what type of company offers the servicing of the mortgage so both the seller and I are protected in the transfer and repayment of the loan.Does a property that I acquire subject to the seller's mortgage show up to my lenders when I'm looking to refi my other properties?

I have never done wholesaling just buy and hold but my advice would be to join as many Real Estate Investor Associations as you can.