@Viviana Ramirez you dont NEED to work with a wholesaler, they are simply another resource that you can use.Don't worry about if they're nice and friendly, worry about the deals they have.Local REI meetups are a place to start networking.

The MPP Formula (detailed analysis) requires you to itemize your Fixed Costs (instead of just simply applying 15% of the ARV).

That does not mean you just simply pay less, it will have effect on your entire investment (longer commutes to check on things, lets buyers / renters, more days on market, lower rents, lower appreciation, etc).You will still need about 30-50k in cash to make this happen (20-25% down, repairs, closing cost and other expenses so keep that in mind.You also said "cashflow from day 1".

And charge $500 for early termination fee's with no mention of recourse on lack/no-performance on their part?

Anthony,While I admire your hard work and commitment to pay off your debts, it seems with the refinancing of your BRRR you simply traded short term debt for more long term debt. 

I agree to what the other posts here had to say....just one point, I find that I  don't put such a focus on 3 times the rent, simply because it's  not a one size fits all, a single person has much much less expenses than a married couple with 3 kids.........I look at each situation individually 

But do it after 4/15, as we're underwater right now.You will probably not be able to find an accountant willing to simply review your own tax preparation.

As far as conflicting information and a lack of a step-by-step process, you're certainly not the first to voice that frustration.

They also lack vision and confidence to push past the initial learning curve and stress of having more responsibility.

HI Scott,If it were me (since there is no clear cut culprit, and it's not worth T-ing off a possible innocent tenant with a bill),I would simply warn them both verbally (door knocking), not to do this, and say it cost X to fix it, and say if it happens again you will bill them for it (although you don't have to follow through on this).