I'm also open to other markets as well.

Are they using an SD Replacement Program of some type?

We ARE a chapter of National REIA, so joining gets the paint discount, cabinet program, and rebate - as well as access to all the other national vendor perks and programs.We're in process of getting local vendors and sponsors lined up as we move forward.Starting in September, meetings will take place in the evening on the 3rd Thursday of each month, 5-9pm, food and non-alcoholic refreshments provided (buy your own booze). 

I have looked into many wholesaling programs and they want anywhere from 5k-20K.

If I'm in your shoes (which I was a few years ago) I would recommend attending at least 1-2 real estate meetups a month to start putting yourself out there and networking with other players in your market. 

Any lenders have a program that would lend the gap with an acceptable downpayment?

We do place this information in our marketing so we're transparent on expectations but that way if 2 of the 3 can financially qualify on their own and have good credit, the third may be a bit of a risk but at least the other 2 are in good standing.

If you are adamant this is how you will scale your business, I would overemphasize the importance of systems because the BS minutia operating real estate in these markets will be greater than in higher barrier markets where greater operational efficiencies exist. 

Additional Information:Any advice on navigating a market move with ongoing investments would be greatly appreciated!

Currently, we have learned a lot on how deals happen and what it takes to be a competitor in our market.