I bought a single family home with 5% down that I fixed up while living there, then got a HELOC and turned it into a rental.

Insurance will be more expensive for investment properties compared to your single family homes. 

Currently I have one active single family rental and have a second one closing on in a few weeks. 

There's a reason wholesalers get a bad reputation - and it's not because they are making a profit without having skin in the game or don't have a license - it's usually because they move crappy deals, or they hang their clients out to dry when the deal goes bad, or they sell to people who really shouldn't be getting involved in the deal because they are not capable of handling the deal.Also - there's not one single definition of what "wholesaling" is.  

If the LLC is a single member LLC that chooses to be taxed as a sold proprietor (meaning it doesn't file it's own tax return and all activity of the property is reported on your personal tax return) the the IRS still views you as the tax payer for the property regardless that the LLC is the deed holder. 

I understand that while my job is stable and I make "decent" money as a single mom, what am I truly working for?

I personally don't take votes into consideration much as they aren't a true reflection of your contributions.You can post incredibly valuable content to help other members and they still may not vote for your post.This doesn't make your post/insight/information any less useful it just means they didn't click the little button.There are plenty of people like myself with higher posts than votes because we interact a lot with others on BP.I can't expect to get a vote every single time I reply to a conversation I'm having with someone in a thread.

Brian, I would guess you would need to form a new LLC, to be a Single Purpose Entity (SPE).

I'm interested in both Single Family and Multi-Family homes as long as the numbers make sense, obviously.Can anyone provide suggestions for financing my first deal? 

The moral of the story---Single Family Homes are a dream compared to Class C or D apartments.