hi, I live in Fort Collins and was wondering if there are any meet ups or seminars covering re investing (primarily wholesaling, buy and hold, flipping, and loan options) in Fort Collins (1st choice) or nearby (Denver).  

Plus, I'm just not thrilled about forking out 20% when I would rather put that money to work for me elsewhere and opt for a 5-10 percent down payment.So in the simplest terms, if one uses math and logic, we clearly have the means to afford the house, but with traditional financing, the 20 percent will be a bit of a stretch for us.  

I like the idea of cooking in some safeguards against industry-specific reliance in your tenant choices.

During that time I'll get my RE licence and begin raising funds for fix and flips / buy and holds by building a strong traditional wholesaling and wholesaling lease options business.Any advice, referrals,....words of encouragement?... 

I've tried the traditional real estate agent route for over 1.5 years without any luck. 

I chose to VR landlord vs traditional landlord on my condo because it just makes sense.

If you are using traditional financing then a hard inquiry is ran against your credit -- this means that you can shop your loan around under that same inquiry.  

One thing to keep in mind is that, when investing in real estate you can't always use gift money for the downpayment for the mortgage if you're going traditional financing.  

Now I may not understand the nature of the question since it is possible you are purchasing this property via non traditional means.  

From a lending perspective, you would be much better off if she was hired to a traditional W2 job.