@Brian Garrett I am new to wholesaling and looking for a marketing strategy that fits me.

You can of course improve this general rule of thumb by:1) putting more money down to lower your monthly payment2) buying down your rate to lower your monthly payment3) get a cheaper insurance quote to lower your monthly payment4) use a different product with a lower rate for a lower monthly payment like a 5/1 ARM FHA5) if you're in a historic district you can apply for property tax exemptions which lower property tax and thereby lower your monthly payment like in Orange, Ca they have a Mills Act which reduces the property tax to about 1/10th of the surrounding properties.

You need to know three things:1) What the market rent is2) What amenities the average unit has at that average rent3) What is your tolerance for an empty unitIf your rent is average and they just want a discount stay the course you may get a call back once they've shopped around. 

Attended a couple courses.

Of course I understand many buyers go FHA because they have limited resources, so it may not be an option.

You'd think I set you up to ask that so I could promote it, but of course you know that's not the case. 

I've gone to see gurus, paid for some minor courses, but never jumped all in for courses in the thousands. 

Of course there is still the tendency for jokes to get a disproportionate amount of votes as several have alluded to, none of it is perfect. 

I'm still in a preliminary stage, but of course I am wondering why the seller needs to sell after 6 months. 10 year call on a 30 year amortization at 4.845%.

Is this going to EVERY homeowner that fits this criteria?