I guess having such a high fee made me nervous, and I didn't want to scare my end buyer even though me getting these houses on contract and leaving him with plenty of room for profit he shouldn't care either way.

I'm not in the Minneapolis area (wish I was) but you'll find plenty of others involved in real estate down there.

We've leased plenty of houses for decent rents that have small bedrooms.

Your 19yrs old and have plenty of time to start in the world of real estate.   

@Bethany Anderson Maybe it's too late and you've moved on, but you may be able to qualify for a 5% down conventional loan, or plenty of other low down payment options depending on location and your income status.

There are also plenty of investors who trade up into MFR from SFR &/or hold a mix of property types.

Oh, and plenty of rest and coffee dates and old Breaking Bad episodes too!  

There's plenty of awesome people on this site that are there for you.

Heres a place to start, also upper right hand corner of the page is a search field, type in wholesaling...you will find a very lot of reading and plenty of opinions on the subjecthttp://www.biggerpockets.com/forums/21/topics/1448...

Best of luck in working through some options, plenty of tool and advice on this site when you narrow down your possible solutions!