I've been using this simple tool to teach my kids and wife about this topic and more. 

Example: a gfci outlet tripped--simple reset can be performed by the tenant themselves.

Also see these:Real Estate WholesalingIntroduction to Real Estate Wholesaling | BiggerPockets Podcast #91The Ultimate Beginner’s Guide to Real Estate WholesalingA 60-Day Action Guide to Wholesaling Your First PropertyThe Newbie’s Guide to Wholesaling in 7 Simple StepsThe 8 Most Common Lies Newbies Believe About Wholesaling5 Costly Pitfalls That Catch Wholesaling Newbies Off GuardWholesaling CalculatorBest of luck to you!

So just by the simple fact that you bought a building in NYC, the value of your building increased by about $5 million. 

@Delbert Standifer simple math. mortgage $105 + $85k investment/ .75= $253330 ARV.

I understand your frustration (and share it, I have two simple residential refinances that are approaching 60 days in underwriting...it's maddening).But if you want the bank's money, lose the attitude and wrap your head around the fact that you have to play by the bank's rules. 

@Joe VilleneuveLong term goals are simple, excellent and diverse positive cash flow and assets to fund a somewhat early retirement.

You can purchase a simple 2 unit and put 3.5% down using fha loan.Best of luck!

They have interest rates below 4% so in simple terms (not factoring in taxes, etc) all I need to do is find something with a return of 4% or better and I’m better off investing there instead of paying off the student loans.

Wholesaling is very simple; get a house under contract and sell it to another buyer for more money.