I wholesale the vast majority of my deals and market direct to motivated sellers using direct mail, and online advertising, which enables me to find highly discounted properties.Funding: A private lender loaned me $57,000 in private money at 12% and 2 discount points secured by a 1st mortgage.

Beware of those $40 prices you see online.  

I do a lot of flips and we try to do as many of the big ticket items as are reasonable because it is easier for a buyer to pay that extra in their monthly mortgage than it is for them to save up the money after the fact.

I will save his contact information and speak with him possibly today.  

@Arthur LeaoThe Roth IRA likely does not factor into your strategy as you have described it.The Roth IRA is not sufficient to purchase a property outright or with a non-recourse loan.The Roth IRA cannot be combined with personal funds to create a deal, since it is not sufficient to do a deal on it's own.It sounds as if you want access to the income.While an IRA may invest in real property, doing so is a way to diversify the IRA savings, not a way to bring that IRA money into your real estate deals.

Saving around 10,000 would take me twos so if I'm able to get by with a lower down payment I will gladly do so..I understand  concerns that the lower the down payment  the bigger your mortgage and that banks offering low money down loans partly caused the recession....

Does anyone have any experience with the online Indiana Broker Course offered by REAL University?

All I can find online is the NJRealtor association ver from from 2001.

You can do online & offline marketing. 

I am fairly new to real estate investing, my only experience thus far has been online research and talking to a few sellers.