You won't really be directly competing for those tenants.

Much of the Tenant-Buyer pre-screening can be farmed out to VAs who you pay to answer the phone (Google Voice, Vumber, etc.) that you set up to receive calls from your marketing. 

If I'm working directly with a seller/owner I never use an agent.

@Ryland Taniguchi is leading this workshop and it is targeted to answer audience questions about wholesaling, rehabbing, Self Directed IRA and Solo 401K and all other questions as well as analysis of deals).http://www.meetup.com/PacificNWRealEstate/ - Meetings are held about 3 times a month in different locations: Kirkland, Seattle and Lakewood.

They'll receive their funds back from the title company as a wire with their fee included.

Can anyone direct me to an aggressive comercial lender in the Tampa area?

Direct mailing?

My friend and I are newly real estate investor, we have $20,000 to start. I was wondering is that enough to start off, what's the best approach we should take?

^Loaded question.....Most popular methods are direct mail, driving for dollars, auctions, tax and foreclosures sales and networking through local rei groups.  

You might ought to use direct marketing to get leads and wholesalers.