I hate making an assessment based on NOI as it's often BS.

I've read dozens of articles, a few books, and watched dozens of YouTube videos so far.

I've read dozens of books, and they all seem to be directed toward the novice or wannabe investor What books are there for the almost-millionaire?  

Google it - as there are dozens on the internet that will do it for you

"Being cheap" is a bit of a harsh assessment I think.

@James HarrisTo give a responsible advice, we would need to know a lot more than you shared.This forum features more than a dozen tax accountants who specialize in tax planning for real estate investors.

Ground Floor Finance does not require payments during the loan term but you will pay for it in the form of a much higher down payment (basically you are paying a lot upfront to avoid making payments during the loan, so it's six of one, half dozen of the other).

That property was a SFH that assessed at $125k.

I absolutely love having wholesalers work for me, and I currently have no less than a dozen of them who send me properties every single day.

We buy and sell dozens of properties in that price range a year but they ALL need work.