I am currently looking at a property that does not have natural gas offered so everything would have to be electric.

It is called nature and it exists everywhere. 

Wholesaling is pretty exhilarating as it is and it seems to come naturally. 

I think that once I have a better handle on my own personal debt, and assuming I can continue to prove to him that i can abstain from gambling and perhaps be trusted some day, that would be the time for me to incorporate your excellent advice.

It sounds like you're wife is skeptical which is natural for most people.

The natural appreciation really is the most value added here.

I suppose they're coined "commercial loans" because they're more business purpose in nature and funded by private institutions not backed by the government sponsored entities. 

It’s human nature!

The terms are not comprehensive and we expect that additional terms will be incorporated into a formal agreement to be negotiated.

I informed the guy I found at the outset that conventional bank financing would not work due to my special circumstances (mostly because my income fluctuates wildly due to the nature of my work and my 2018 tax paperwork showed a loss)  and inquired about asset based financing, HM, other alternatives based on my balance sheet rather than on my most recent income statement.