Understanding cash cycles from different marketing channels will give you a better understanding of which path will be best for you to pursue.Outbound channels are getting more and more regulated as days pass, so I recommend diversifying with different marketing channels so that when one gets shut down, your business doesn't suffer significantly.

The only good wholesalers are running a big business with big marketing budgets and smart outreach, as well as actual cash of their own.

And how're they cash flowing compared to other parts of the Indy area that you manage?

There are some that manage to find the money and the deals quickly when the market is just right (and they have plenty of cash), but most success is built slowly, over time.Increase earnings, reduce expenses, save up, invest.

Purchase price: $850,000 Cash invested: $15,000 Bought on owner financing on a 5 yr term.

I am often amazed on larger deals when buyers send in cash offers with nothing more than an LOI or contract offer.

I would just like a heloc to have the cash available in case I find a deal.

@Boffill YosleysDrop the price even further and see if you can create a bidding warThis is assuming you have the cash to payoff your hard money lender.

Yes a judge can still proceed with the sale even with a suggestion of BK and the only way a judge can stop it typically is if the borrower files a temporary restraining order, which lasts 15-30 days and must be a valid reason - the reason of "I am going to file BK" is not a valid reason to give a TRO as the borrower can file BK and then has time to complete submitting their plan. 

It is good to underestimate your occupancy numbers and have cash reserves to weather storms.