Obviously not setting the world on fire, but with $0 money coming out of my personal funds and growing my portfolio with nice, easy to rent properties, it fits my niche.

I always prefer to call first if a phone number is available.

Ervin, Most lenders would prefer you have some skin in the game. 

I'm primarily looking to get started with wholesaling to build up some capital for future investments so right now I'm looking to learn as much as I can in that niche. 

It doesn't give me the option of analyzing a partnership based on different equity splits and preferred returns, etc.

Ok, now that you have taken your initial step, below are some quick links to get engaged.Since you didn't mention an area of interest, I added details of the three most popular niches at the links below, for your review and selection of one or all.http://www.biggerpockets.com/renewsblog/2013/01/04/how-to-rent-your-house/ (house rental guide)http://www.biggerpockets.com/renewsblog/2013/02/22/buying-rental-property/ (how to buy a rental property) http://www.biggerpockets.com/renewsblog/2014/01/07/flipping-houses/ (step by step guide to flips)https://www.biggerpockets.com/renewsblog/2015/01/31/ultimate-beginners-guide-real-estate-wholesaling-2/ (Ultimate beginners guide to wholesaling) http://www.biggerpockets.com/startherehttp://www.biggerpockets.com/meethttps://www.biggerpockets.com/alertsHow to Use @Mentions on BiggerPocketshttps://www.biggerpockets.com/ruleshttps://www.biggerpockets.com/termshttps://www.biggerpockets.com/inviteshttps://www.biggerpockets.com/forums/categorieshttps://www.biggerpockets.com/courses/a-beginners-introduction-to-real-estate-investing (video courses)https://www.biggerpockets.com/real-estate-investing (Ultimate beginner's guide to REI)REI can be very daunting, but, before you go searching for that 1st buy, please take a few minutes to bone up on the tips in link below.https://www.biggerpockets.com/renewsblog/2014/12/19/real-estate-investing-success-smart-tips/REI books suggested by BPershttps://www.biggerpockets.com/renewsblog/2015/11/13/7-real-estate-books-beginner-investors/ (7 absolute must read books for beginner REI)http://www.biggerpockets.com/renewsblog/2013/04/14/best-real-estate-books/?

Lenders prefer not to cross collateralize a deal.  

Hopefully, this post has educated both aspiring wholesalers and realtors who have had bad experiences working with this niche group.

I am trying to find my niche, whether it will start off as wholesaling and then eventually go into buying and renting out.

I would prefer not to do a hard pull on my credit.