Since I was in Texas and planned on staying there I found out that I was qualified to take a real estate broker test without having to take anything extra so I got the license.  

Most people who own there bought years and years ago, and the people buying now, research suggests are using OPM to borrow for down payments mainly parents, or selling and moving up.Most people are NOT investors, when they get a raise they say: We have an extra 1000/m coming in, that means we can afford a bigger house new car etc.I think personal finance is important, but if everyone knew how to maximize there $, I can imagine there would be a lot less left on the table for us. 

I just passed my license test and will be talking to brokers over the next week to see where I can begin my transition. 

One thing that has not been raised is that under the table income cannot be garnished.

Now I need to raise a portion of the rehab money.

As a wholesaler, am I supposed to perk test it myself (I was trying to pay little to nothing out of pocket on these deals), or do I include a clause in my contract with the seller that allows the buyer to conduct soil test and the deal is contingent upon results.

Especially since its owner occupied.  125k at 4% interest for 30 years raises your PI by $600. 

Hello, i'm looking to raise my credit to it's maximum potential.

(Both maps will show plenty of "less expensive" red areas.)Raise the price comparison point from $1mil to $2 mil and the difference is much more muted. 

Also one other note you don't have to pick a brokerage to work with until after you take the test.