I watch some YouTube videos and listen to podcasts (mainly Grant Cardone but open to more informative ones, too) and just got his book How to Create Wealth with Real Estate.

They are on the low end of structuring what you can and cant do, mainly wanting to keep a clean, nice neighborhood (all single family communities).

Problem my debt to income is through the roof and I can’t count my wife’s income because her credit score isn’t good enough.

Pay off debt?

Any payments on the balance remaining from the original loan must be included in the debt-to-income ratio calculation for the refinance transaction.Note: Funds received as gifts and used to purchase the property may not be reimbursed with proceeds of the new mortgage loan.The new loan amount can be no more than the actual documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees, and points on the new mortgage loan (subject to the maximum LTV, CLTV, and HCLTV ratios for the cash-out transaction based on the current appraised value).All other cash-out refinance eligibility requirements are met.

My main focus starting out is wholesaling.

Is that your main technique to find investment properties?

Hooked up electricity lines to the main line.

Stay out of debt (completely out of debt)Get your degree (While on active duty it's free and you don't touch your GI bill) Buy low cost index fundsBuy some high risk stocksSave save save save saveRead every real estate book you can get your hands onPlay it out over 20 years.

If you want to set yourself apart, be courteous and professional and respect their time.Their main concern would be people looking in medicine cabinets for drugs and in dressers for jewelry.