For me, it's about speed and opportunity cost.

If you are looking to take on a big down side risk in hope to hit the big up side gain don't blame others when you run into normal speed bumps.

Surrounded myself around like minded people all thinking of ways to amplify one another and it has really kicked my real estate journey to another speed.

You can do a refi the fastest, however, if you don't finance your initial investment (usually no seasoning requirement).

But that is all based on selections and the speed at which decisions are made.  

It sounds like you are well on your way.I also wholesale, I have found it very helpful to be up to speed on some of the lending options that your buyers may want to use to buy one of your wholesales.

Fastest growing segment of the market.

Speed?

Have you considered looking into Eddie Speed and his Note School?  

I wish you the best of luck and to do your research on how to fix your credit score fastest!