Now hard work, ABSOLUTELY, brains, somewhat, but I can supply most of the needed brain power to someone who is willing to work at it.Now to be successful in this business with most other investment strategies you will need the money and the credit or at least it greatly helps to have the money and the credit, but wholesaling is unique in that regard that IF you are willing to put in the time and learn the strategies of it, you can do it with no credit and little money.Which in and of itself is an honest Guru's dream sales pitch.I do agree that most of the info you need to be successful you can get right here on Bigger Pockets, and a good part of it for Wholesaling I've personally supplied.

My situation seems unique because separately I don't qualify for loans (they're in my company name, company has only been in its first year, seasoning, etc.), but with commercial loans isn't it all about the properties and the cash flow?

It could be family, medical, the law, or who knows what.

Multi-family (or apartments) is the most popular, medical offices are second, and I'm sure you can guess that retail properties, strip centers, and malls are the least favorite.Second, it will depend on your numbers.

I had a Canadian medical docter taking a $100 000 overdraft from his bank and then he bought himself a beautiful home here in South Africa (Cape Town) The the exchange rate were 11 to 1.There is also great software around, for free, to play Forex fluctuations on currencies....but one need to know exactly what you're doing....also one of the things I'm considering doing.CheersFritz

Taking the second is generally not a winning move, but there are cases when it can be in unique circumstances.

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California protected classes: Marital status, sexual orientation, age, ancestry, source of income, medical condition, arbitrary discrimination, perception and association.

"I know that there are millions of Americans who are content with their healthcare coverage—they like their plan and they value their relationship with their doctor," Obama told the American Medical Association.

If we invent new technologies, start producing unique products like we used to, and license those new technologies out. we can get back in the game.