Unfortunately, you're playing his game by continuing the conversation.This happens to me at least once a year.

If at any time it doesn’t make sense to continue I can still sell for cash offer.

I want to continue wholesaling as an agent but I’m not sure how it works.

They eventually found a local bank that was willing to loan up to 70% with a HELOC on investment properties; which is allowing us to continue our acquisition phase.

From there, take action and be prepared to continually learn while doing.

But it depends on your preferences, lifestyle, personal style, what's top on your list.

My thought process is in our current environment where rates are constantly going up and will most likely continue to climb, lock up as many great deals as possible. 

I own a house in Denver that I need to continue to rent or sell. 

I would probably make it an addendum to the original Lease agreementIf he can qualify on his own then I would continue to rent to him but just clean up the paperwork.

If my understanding is correct the banks will further break them down into smaller pools and continue to sell them off to other smaller banks and brokerages where they would be available (as pools or one-offs) to individual or small team investors.