Live this way for 20 years, live like no other today, so someday, you can live like no other, it’s the best way to get where you want to go.The banks are interested in more than just your “ GOOD CRIDET” they want to see debt to earnings ratio, how you live your financial life, is the property you’re going to try and buy a good deal for them and you and what if any money you have to put in.Get to Know Dave Ramsey, read and listen to him, its sound advice for the young to get started in life.Hope this helpsMike 

Just don't quit your day job just yet--once your business gains some traction and is earning you money, and the day job is costing you more than its earning you, that's the time to take a serious look at your next career move.As to all of the investment options, you have to pick the one that best fits your objectives and works in your market.

I saw an ad on craigslist which is targeted towards rent-to-own buyers and said something like "we will find an investor to buy the house for you, and then you will lease option the house from the investor for your desired length of time until you are ready to purchase".

I’ve created a plan to do wholesaling and earn some capital to start investing in rentals.

These are desirable areas where you would actually want to buy a house to flip or hold as rental because they have good schools, safe neighborhoods and  little to no "war zone" type streets.I drove EACH street looking for houses that are either outdated or needing serious repairs (based on exterior appearance).

However, what if a person has a full time job and is not earning a living by being self-employed?  

You can't step foot into the desirable neighborhoods for that, unless you get VERY lucky.  

You will learn and earn, and avoid the pitfalls cited earlier in this reply post.

I would be inclined attempt to work with him as he is in place and it will save me some money to do so, and he at least has earned the opportunity to make it work...just not at my expense.  

People are getting ripped off daily with the insurance products that you are selling, but majority of folks here are intelligent enough to realize that they are much better off taking control of their investments into their own hands, rather than giving their hard earned money to the insurance companies which pay their sales agents commissions up to 90% of the premium received.