Specifically, Water, heat, electric, garbage or any other bill of that nature? 

And that's just Fannie Mae.You're going to have to be more specific. 

I think you will get better responses if you post more specific questions.

Setting up a monthly budget specifically for marketing will help you in planning a marketing campaign.I hope that was at least a little bit helpful.

If there is anything in there that names a specific purpose of your corp and this loan would be a violation of that purpose, you'll need to amend your corporate guidelines with a full vote of the shareholders and officers.

@Ryan Landis, as an SF Bay Area investor myself, wondering if there are any specific meetups you highly recommend.

joseph, Right off hand I can't think of a specific company with those low fees. 

I would likely have to take on a partner to afford the down payment (I have a partner lined up for this specific deal).

I understand so far, you are having a hard time buying into the US market, but I think your problem may bethe specific markets you are looking in.  

Read the Guide on Wholesaling, and the many Blogs on Wholesaling, then check out the Podcasts which have info on wholesaling specifically as well as great discussions of general real estate knowledge.