Of course, there will be a premium attached for their work, and you can expect to pay cash or equivalent (hard money or line or credit), but this is still a great choice for someone who doesn't want to (or can't afford to) do all the work of marketing to find motivated sellers.

@John T.

I am estimating that there is still about $5500 worth of work to complete the project plus the dishwasher, refrigerator and some bathroom items (that I have already paid for).The gentleman and I still have a relationship and he is paying for a guy to come work when he can afford it (telling me he is building mobile homes for $12/hr during the day and managing the night shift at McDonald's to cover bills and my work).

I wouldn't even consider running an Open House on a very nice place in jeans and a T-shirt.

A lot of us own equity together in certain wholesale projects due to us actually being able to afford them with ease with multiple people involved in it. 

Does anyone have any suggestions for locations in the mid-west with affordable multi-family inventory?

I go to SA often and have been looking to invest there as well since values are still very affordable.

If you COULD afford to pay a hard money lender/partner the down payment at 10% over just 3 years, get a refi for 15 years and make payments as if you were paying the HM lender.

Getting specifics without a deal isn't easy.Additionally, a bank isn't going to want to feel like you can't afford the extra 5% -- at the end of the day you're going to need cash for repairs and what not.

T.